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AI Summary

“Imagine life just five meters from the azure sea: this bright 105 m² apartment in the very heart of the Bay of Kotor will give you the best sunrises and breathtaking views right from the balcony. The spacious layout with two bedrooms and a cozy living room is ideal both for holidays and for permanent living in one of the most picturesque corners of Montenegro.”

ApartmentsNo. 460

Apartment in Stoliv No. 460

Bay of Kotor
€380,000
View: Sea view

Details

Area
105 m²
Bedrooms
2
Bathrooms
2
Parking
Yes
To sea
5 m
Price per m²
€3,619

Description

Apartment for sale in Stoliv, on the first line by the sea. Total area 100 m2 (terrace 25 m2). The apartment is located on the first floor. The apartment layout includes: two bedrooms, a living room combined with a kitchen and dining area, a bathroom, a guest toilet, and a terrace. An outdoor swimming pool is located at the front of the building. A stunning sea view opens from the apartment terrace. The apartment is furnished with luxurious furniture, technical equipment, and high-quality household appliances, all included in the price.

Amenities

Swimming poolSea ViewAir conditioningParkingFirst lineTerrace

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
€380,000
Property transfer tax
€16,000
€4,500 (3% × 150,000) + €11,500 (5% × 230,000)

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€16,882
Estimated costs to purchase the propertyTotal: €396,882

Location

What's nearby

  • Groceries546 m
  • RestaurantKonoba Furešti213 m
  • Bus stop429 m
  • ATMPRVA Banka CG1.5 km
  • AirportTivat Airport7.7 km
  • PortLepetane2.2 km
  • Sea5 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 5 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
€380,000
yrs
5 yrs30 yrs
%
3%9%

Bank rates

Beta · still being polished
CKB Bank
CKB Bankbest
fixed for 5 years · 7 days
5.9%
€1,890/mo
NLB Banka
NLB Banka
variable Euribor + 4.2% · 10 days
6.3%
€1,952/mo
Erste Bank
Erste Bank
fixed for 3 years · 14 days
6.5%
€1,983/mo
Monthly payment
€1,755
Over 240 months · at 5.0% p.a.
63%principal
Loan amount€266,000
Total interest€155,316
Loan amount
€266,000
Total interest
€155,316
Total payment
€421,316

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.

€380,000
€3,619/m²No. 460