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AI Summary

A cozy one-bedroom apartment with an area of 45 m² in picturesque Kumbor is waiting for its owners, just 300 meters from the azure coastline. A stylish living space with a functional kitchen and a sunny balcony will be an ideal place for a comfortable stay or a profitable investment in Montenegro. The property price is 150,000 EUR.

ApartmentsNo. 2437

Apartment in Kumbor No. 2437

Kumbor · Bay of Kotor
€150,000
View: Sea view

Details

Area
45 m²
Bedrooms
1
Bathrooms
1
Floor
2/5
Year built
2024
Parking
Yes
To sea
300 m
Price per m²
€3,333

Description

Apartment with a bay view in the new district of Kumbor

Area: 45 m²Floor: 2ndParking: private parking space included

Description

A cozy one-bedroom apartment is for sale in a modern residential complex located in the new district of Kumbor — just 250–300 meters from the sea (4–5 minutes on foot). The complex is locatedabove the main road, but not high up, which provides convenient access to infrastructure and a beautiful view of the Bay of Kotor.

The apartment is on the second floor and is ideal both for living and for rental. The space is well zoned: a kitchen-living room, a separate bedroom, a bathroom, and a balcony with a sea view.

Advantages

Terms of sale

Price —150,000 euros.<br data-start="970" data-end="973" />All reasonable offers will be considered. Payment deferral within reasonable limits is possible — we are ready to discuss individual terms with genuine buyers.

Amenities

Mountain viewSea ViewIntercomAir conditioningFurnished - partiallyParkingTerrace

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
€150,000
Property transfer tax
€4,500
€4,500 (3% × 150,000)

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€5,146
Estimated costs to purchase the propertyTotal: €155,146

Location

What's nearby

  • SchoolAdriatic School536 m
  • Kindergarten2.9 km
  • GroceriesMini market490 m
  • Pharmacy1.3 km
  • HospitalVojna bolnica2.4 km
  • RestaurantAmaro61 m
  • Bus stopKUMBOR STANICA "KOD XANADU-A"85 m
  • ATM656 m
  • AirportTivat Airport12.4 km
  • PortPortonovi Marina1.9 km
  • Sea300 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 300 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
€150,000
yrs
5 yrs30 yrs
%
3%9%

Bank rates

Beta · still being polished
CKB Bank
CKB Bankbest
fixed for 5 years · 7 days
5.9%
€746/mo
NLB Banka
NLB Banka
variable Euribor + 4.2% · 10 days
6.3%
€771/mo
Erste Bank
Erste Bank
fixed for 3 years · 14 days
6.5%
€783/mo
Monthly payment
€693
Over 240 months · at 5.0% p.a.
63%principal
Loan amount€105,000
Total interest€61,309
Loan amount
€105,000
Total interest
€61,309
Total payment
€166,309

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.

€150,000
€3,333/m²No. 2437