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AI Summary

A spacious 200 sq. m house on the picturesque Bar Riviera will become your ideal retreat just 500 meters from the azure sea. This modern villa with four cozy bedrooms and a private pool is surrounded by a well-kept plot, offering exceptional comfort for living and relaxation for the price of 400,000 EUR.

HousesNo. 1522

House in Ratac No. 1522

Bar Riviera, Ratac, Montenegro
€400,000
View: Sea view

Details

Area
200 m²
Land area
136 m²
Bedrooms
4
Bathrooms
3
Parking
Yes
To sea
500 m
Price per m²
€2,000

Description

A wonderful three-story house for sale in Ratac, on the Bar Riviera.
The total house area is 200 m2.
House layout:
On the first floor: 2 garage spaces, utility room, bathroom, kitchen, 32 m2 terrace, 30,000 l pool.
On the second floor: living room combined with kitchen, 2 bedrooms, bathroom.
On the third floor: living room, 2 bedrooms, kitchen, bathroom, 18 m2 terrace.
The house is fully furnished and equipped with all necessary household appliances. The terraces offer a superb panoramic view of the sea and mountains.
All necessary infrastructure is within walking distance.
This is a wonderful place for living and leisure.

Amenities

Swimming poolSea ViewAir conditioningParkingTerrace

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
€400,000
Property transfer tax
€17,000
€4,500 (3% × 150,000) + €12,500 (5% × 250,000)

Notarial deed details

Buyers
1
Sellers
1

By default the notary fee assumes a two-party deal (1 seller and 1 buyer) without a court interpreter, with the notary filing the cadastre application. Each party beyond two adds 5% of the tariff, each interpreter adds €15, and 21% VAT is charged on the full amount. Not included: work outside office hours, at weekends or on public holidays (+25%, at least €50), the notary travelling to you (+€35 per started hour plus travel costs), powers of attorney (€60 + VAT each). The notary may use the property's market value if the contract price is lower.

Possible additional costs (not in the total)

Government fees

  • Cadastre registration of title (state fee)from €30
  • Title sheets (listovi) for the dealfrom €7
Total required costs€17,898
Estimated costs to purchase the propertyTotal: €417,898

Location

What's nearby

  • SchoolCompass1.4 km
  • Kindergarten1.4 km
  • Groceries642 m
  • PharmacyTea Medica2.1 km
  • RestaurantZappa Beach Club517 m
  • Bus stop17 m
  • ATMATM Bankomat2.1 km
  • AirportPodgorica Airport30.1 km
  • PortMarina Bar3.6 km
  • Sea500 m

Frequently asked questions

Yes. Foreign nationals can buy apartments and houses in Montenegro on the same terms as citizens, with full ownership rights. Restrictions apply only to certain agricultural and undeveloped land, which foreigners usually acquire through a Montenegrin company. We handle the entire legal process.
Buying costs depend on the property. Montenegro’s real-estate transfer tax is progressive — the rate depends on the value — and newly built homes are subject to VAT on the first sale. Add notary, registration and optional lawyer fees. The easiest way to get an exact figure for this property is our purchase-cost calculator.
This property is about 500 m from the sea.
Montenegro’s coast has strong seasonal short-term demand and growing long-term demand from people relocating. Actual returns depend on location, furnishing and management — ask us for a projection for this specific property.
Under the new law, a property purchase supports a temporary residence permit only if the property is residential and worth at least €150,000. The rules change periodically, so confirm the current requirements with us.

Calculate mortgage

Beta · still being polished
Property price
€400,000
yrs
5 yrs30 yrs
%
3%9%

Bank rates

Beta · still being polished
CKB Bank
CKB Bankbest
fixed for 5 years · 7 days
5.9%
€1,990/mo
NLB Banka
NLB Banka
variable Euribor + 4.2% · 10 days
6.3%
€2,055/mo
Erste Bank
Erste Bank
fixed for 3 years · 14 days
6.5%
€2,088/mo
Monthly payment
€1,848
Over 240 months · at 5.0% p.a.
63%principal
Loan amount€280,000
Total interest€163,490
Loan amount
€280,000
Total interest
€163,490
Total payment
€443,490

Want to know how much you can actually get approved for?

< 1 minNo obligation3 banks at once

Rates shown as "from". Final offer depends on your credit profile and the bank's conditions.

€400,000
€2,000/m²No. 1522