How can Foreigners Buy Property in Montenegro and What is the Process?
- International Property Alerts
- November 14, 2025
Understanding how foreigners can buy property in Montenegro helps make the whole process feel simple and less confusing. Montenegro is a small country with pretty towns and calm beaches, and many people from other places want to live or invest there. The steps are easy to follow when you know what to expect, like checking the property, signing papers, and working with a trusted lawyer.
Buying a home in another country is a big choice, so it helps to learn the rules for international property. When you know the steps, you can feel confident and safe while finding the right place.
How Foreigners Can Buy Property in Montenegro?
Easy Rules for Buying Homes
Foreigners can buy apartments and houses in Montenegro without any trouble. So, this means you can look at property for sale in Montenegro and choose the one you like. Learning how foreigners can buy property in Montenegro is simple because the country welcomes people who want to invest or live there.
When You Need a Local Company
Some types of land need extra steps. Therefore, in understanding how foreigners can buy property in Montenegro, you must know that certain purchases require a local company. So, here are the cases:
- Large land plots: Land over a certain size
- Special-use land: Areas meant for farming or business
- Building land: Some places meant for bigger projects
Key Restrictions for Foreign Buyers
Land Size Limit
When learning how foreigners can buy property in Montenegro, it is important to know that there are size rules. Foreigners can buy land up to 5,000 m² without any extra steps. This is a lot of space for a home or small project.
But if the land is bigger than that, you must follow special rules because large areas are more controlled.
- Allowed: Land up to 5,000 m²
- Needs a company: Land over 5,000 m²
Understanding these limits is one of the things to consider when moving abroad.
Company Ownership Requirements
Another part of how foreigners can buy property in Montenegro is knowing what happens when you want land that is too big. In that case, you must create a local company. This company helps manage the property and follow local laws.
If you buy land over the limit, you must:
- Register a company
- Open an office
- Set up a local bank account
These steps keep everything clear and legal.
Restricted Property Types
The last part of how foreigners can buy property in Montenegro involves special places that no one from another country can own. These areas are protected because they are important to Montenegro’s history, nature, and community.
Foreigners cannot buy:
- Natural resources
- Protected cultural sites
- Sensitive public areas
These places stay safe for everyone to enjoy.
Step-By-Step Process on How Foreigners Can Buy Property in Montenegro
Step 1: Hire a Lawyer
The first part of learning how foreigners can buy property in Montenegro is getting a good lawyer. A lawyer helps make sure everything is safe and fair. They check who owns the property, look at the permits, and make sure the home or land is legal to buy. This can save you from problems later.
Step 2: Sign a Pre-Contract
Once you choose the place you want, the next part of how foreigners can buy property in Montenegro is signing a pre-contract. This is a simple paper that shows you and the seller agree on the deal. You also pay a deposit, which is usually ten percent. This step makes the property yours to reserve.
Step 3: Open a Bank Account
Many people are wondering how foreigners can buy property in Montenegro and open a bank account in the country. This makes paying for the property easier. You can still buy without one, but it makes things slower and more confusing. A local account keeps everything smooth.
Step 4: Sign the Sales and Purchase Agreement
This is the big contract that finalizes the sale. You sign it with a notary, who makes sure everything is official. You can sign it in person or, if you are buying property abroad, you can let someone else sign for you using a power of attorney.
Step 5: Pay the Remaining Balance and Taxes
After signing, you pay the rest of the money for the property. You also pay a three percent Real Estate Turnover Tax within fifteen days. This tax shows the country that the sale is complete and legal.
Step 6: Register Ownership
Finally, the notary sends your papers to the land registry. This office puts your name in the official records. When this step is done, the title is fully transferred, and the property is officially yours.
Important Considerations for Foreign Buyers
Remote Purchase Options
When learning how foreigners can buy property in Montenegro, it helps to know that you do not always need to be in the country. That is to say, foreigners can buy a home or land even when they are far away. To do this, they choose a trusted person who can sign papers for them. To clarify, this person uses something called a power of attorney, which lets them act for you in a safe and legal way.
Additional Costs
Another part of how foreigners can buy property in Montenegro is understanding the extra fees you must pay. In other words, these help make sure the sale is official and correctly recorded. So, knowing these ahead of time is one of the best property buying tips to avoid surprises.
Here are the common costs:
- 3% turnover tax: Paid after the sale
- Notary fees: For signing legal papers
- Registration fees: For adding your name to land records
- Lawyer fees: For checking the property and protecting you
- Bank or currency conversion costs: For sending money safely
Financing and Mortgages
Some people learning how foreigners can buy property in Montenegro wonder if they can get a loan. Yes, mortgages are available, but they may take more time for foreigners. Therefore, having a local bank account makes the process faster and easier.
- Mortgages are available
- Faster approval with a local account
Tips for Safe and Smooth Buying
Work With a Licensed Real Estate Lawyer
One of the most important parts of learning how foreigners can buy property in Montenegro is working with a real estate lawyer who is licensed and trusted. A good lawyer keeps you safe, checks all the papers, and helps you understand each step. This makes the whole process easier, especially when you are new to the country.
Ask for Due Diligence Reports
Another tip on how foreigners can buy property in Montenegro is asking for due diligence reports. These reports are like homework for grown-ups. They show if the property is legal, safe, and ready to buy. Reading these reports helps you see the real picture, just like learning the truth about real estate before making a big decision.
Check the Zoning Rules Before Buying Land
Before buying land, always check the zoning rules. These rules explain what you can and cannot build on the land. They help you choose the right place so you do not buy something that cannot be used the way you want.
Know the Difference Between Apartments and Land
Understanding how foreigners can buy property in Montenegro also means knowing that apartments and land sometimes follow different rules. Apartments are usually easier to buy, while land may require more steps, like checking size limits or special permissions.
Use Verified Agencies for Remote Buying
If you plan to buy from far away, choose a verified real estate agency. Verified agencies are trusted groups that help you find the right property and avoid scams. They make remote buying safe by guiding you through each step with clear instructions and honest support.
Key Takeaway
Buying property in Montenegro is a simple and friendly process, and foreigners enjoy strong ownership rights that make the experience even easier. When you understand how foreigners can buy property in Montenegro, the steps feel clear and not confusing. The country welcomes buyers from other places, so you can feel confident while choosing the right home or land.
To keep everything safe, it helps to follow the legal steps, work with a good lawyer, and ask for proper checks on the property. If you ever need guidance, feel free to contact us so you can move forward with confidence.
FAQs
1. Can foreigners really buy property in Montenegro?
Yes, foreigners can buy homes and apartments in Montenegro without any problems. The rules are clear and easy to follow.
2. Do I need to live in Montenegro to buy a property?
No. You can buy it even if you live in another country. You can also let someone sign papers for you using a power of attorney.
3. What extra costs should I expect when buying a property?
You may need to pay a 3 percent tax, notary fees, lawyer fees, and some bank costs.
4. Is it safe for foreigners to buy land in Montenegro?
Yes, it is safe. Just make sure a lawyer checks the property and confirms it is legal to buy.
5. Can foreigners get a mortgage in Montenegro?
Yes, mortgages are available, but they may take longer for foreigners. It helps a lot if you have a local bank account.
About International Property Alerts
International Property Alerts is a premier global platform connecting real estate investors with handpicked opportunities in emerging and lifestyle-driven markets. Through curated listings, expert guidance, and market insights, we help buyers make confident property decisions worldwide.
Media Contact:
Phone: +4477 1923 8132
📱 WhatsApp: +63927 073 9530
Email: office@internationalpropertyalerts.com
Services
Related Post
- Best Places To Retire
- Hidden Places Destination
- Best Regions To Retire
- Guide To Global Life
- Affordable Places To Retire
- Elly's Insights
- Business Outlook
Discover Prime Global Opportunities
Elle Resort & Beach Club – Your Prime Beachfront Investment
Elle Resort & Beach Club offers a rare chance to own property in one of the most desirable coastal locations. With limited units, strong capital growth potential, and unmatched resort facilities, this is your opportunity to secure a beachfront lifestyle with long-term value.
Smarter Property Investments Start Here
Thinking about buying property abroad? Don’t make the move without the right knowledge. Our Free Buyers Guide gives you essential insights on legal steps, taxes, financing, and the best markets worldwide. Trusted by international buyers and investors.
Your Perfect Home Awaits at Sudara Residences
Wake up to bright, spacious living with stunning views and modern comforts. Whether for family living, retirement, or a stylish retreat, Sudara Residences makes your dream home a reality
Own a Piece of Cambodia’s Thriving Property Market
Discover curated property listings with IPS—residential, commercial, villas, land—and get expert guidance through every step.
BONUS: FREE Cambodia Buyer’s Guide
Grow Your Business - Advertise in a Prime Spot
High visibility. Targeted audience. Maximum exposure. Rent this space and let your brand shine.
Got Properties to Sell?
Get your properties in front of high-intent investors. Showcase your listings to buyers worldwide.
Exchange Without Borders
From pounds to pesos, yen to dollars. ⚡ Quick. Easy. Secure.