Apartment in Tivat. City - Tivat
The apartment has 3 bedrooms, one of which is a masterbedroom with en-suite bathroom, 3 bathrooms, dining room with kitchen, living room, terrace.
Through the terrace there is personal access to the pool and lounge area.
Details:
At the entrance there is a small corridor that leads to the master suite with bath, shower, toilet and private access to the terrace. And you can also pass into the main part of the apartment where there is the living room, kitchen and the rest of the bedrooms. The access to part of the apartment is programmed, so that it can be used both separately by different people and together by a large family. In the main part of the apartment there is a kitchen with a large refrigerator and freezer, dishwasher, washing machine with tumble dryer, extractor hood, induction hob, coffee machine. There is also a dining table with chairs and a living room with sofas and fireplace. From the living room there is access to the terrace, where there is an even larger dining table. Then there is a toilet with shower, entrance to the bedroom with a single bed, and entrance to the bedroom where there are two beds together, which can be used together or separately, there is also another bathroom with shower.
All bedrooms have beds with comfortable mattresses, desks, built-in closets and access to a large shared terrace.
Cooling and heating systems are built-in powerful air conditioners, which successfully maintain the optimal climate in the apartment and turn off automatically in rooms where the door to the terrace is open.
The terrace has a large terrace with its own air conditioning system.
The terrace consists of a zone
In Montenegro a residence permit is typically issued based on a minimum investment threshold. Applications are reviewed within 30–60 days in Tivat; you will need a passport, proof of funds, and the ownership documents. Hatamatata helps prepare and submit the paperwork.
Banks in Montenegro finance 50–70% of the property value for non-residents with rates of 3–5% for 20–30 years. A life insurance policy and a 30–40% down payment are usually required. Terms and programs vary by city and bank.
Expected expenses: transfer tax 0–15%, registration 0.5–2%, notary 0.5–1.5%, agent commission 0–3%. In total 2–20% on top of the purchase price. Exact rates depend on region, property type and programs.
A title search at the land registry of Montenegro takes 10–15 business days. You receive ownership, encumbrance and tax clearance certificates. Documents are translated and reviewed by a lawyer before signing.
Yes. Rental income tax is 5–25% depending on the regime. In Tivat short-term tourist rentals typically yield 5–8% per year. Municipal permission and income registration are usually required.
Yes. An inspection costs about 0.5–1% of the price (1 875 720 $) and covers structure, utilities and legal status. Hatamatata arranges a qualified engineer with an EN/RU report.
A typical transaction runs 30–90 days, averaging 45 in Tivat: due diligence (10–15 days), notarization (5–7 days), registration (10–14 days), residence permit (30–60 days, if needed).
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