AI Summary

In Kumbor, just 700 meters from the sea, a bright 72 m² apartment with two bedrooms is offered for sale in a new building. A spacious terrace, panoramic views of the sea and mountains, modern finishes, air conditioning, an elevator, and a secured entrance make this option especially attractive for comfortable living and holidays.

Apartment in Herceg Novi No. 2620

Kumbor · Bay of Kotor
220 000 €
View: Sea view, Mountain view

Details

Area
72 м²
Rooms
3
Bedrooms
2
Bathrooms
1
Floor
2/4
To sea
700 m

Description

We offer for sale a 72 m² apartment with two bedrooms, located in a new residential building in Herceg Novi.

The apartment features modern finishes, a functional layout, and panoramic views of the Bay of Kotor. The space is arranged with comfort in mind: the living room with a kitchen area opens onto a spacious terrace overlooking the sea and the green surroundings.

Main features:

  • Area: 72 m²
  • Bedrooms: 2
  • Bathrooms: 1
  • Terrace: with panoramic sea view
  • Condition: new building, ready to move in, finished interior  

About the apartment:

 The apartment is designed in a modern style using high-quality materials. Panoramic sliding windows provide plenty of natural light. The layout includes a living room with a kitchen area, two separate bedrooms, a bathroom, and a terrace. Air conditioners are installed in the rooms, and the finishing is done in light neutral tones.

Location:

The apartment is located in Herceg Novi, in a quiet residential area. The location combines peace and quiet with convenient access to city infrastructure.

  • Beach and promenade — about 800–1200 m
  • Supermarkets — 300–600 m
  • Cafes and restaurants — 300–700 m

Investment potential:

Apartments with sea views in Herceg Novi are in steady demand, and the presence of two bedrooms and a modern layout makes this property attractive both for living and for rental, ensuring sustained interest from buyers and tenants.

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
220 000 €
Real estate transfer tax
8 000 €
4 500 € (3% × 150 000) + 3 500 € (5% × 70 000)

Possible additional costs

  • Cadastre applicationsfrom 30 €
  • Ownership sheets (listovi) for the dealfrom 7 €
  • Sworn translator services· per contract / hourfrom 50 €
Total required costs8 691 €
Estimated costs to purchase the propertyTotal: 228 691 €

Location

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 700 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
€220,000
yrs
5 yrs30 yrs
%
3%9%

Ставки банков

Beta · still being polished
CKB Bank
CKB Bankлучшая
фикс. на 5 лет · 7 дн
5.9%
€1,094/мес
NLB Banka
NLB Banka
плавающая Euribor + 4.2% · 10 дн
6.3%
€1,130/мес
Erste Bank
Erste Bank
фикс. на 3 года · 14 дн
6.5%
€1,148/мес
Monthly payment
€1,016
Over 240 months · at 5.0% p.a.
63%тело
Loan amount€154,000
Total interest€89,920
Loan amount
€154,000
Total interest
€89,920
Total payment
€243,920

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.

220 000 €
2620