Country series 2

Country series 2

Why Dutch buyers are turning to Montenegro for real estate?

If you’re from the Netherlands (like us), taxes are likely a top concern when making financial decisions. And when comparing taxes between the Netherlands and Montenegro, it’s clear why Dutch buyers are choosing Montenegro for their real estate investments.

• Taxes:
Montenegro’s income tax is 9-15%, compared to the Netherlands’ progressive rates up to 49.5%. Capital gains in Montenegro are taxed at 9%, far lower than the Dutch maximum 31% rate. Property transfer tax is 3-6% versus 2-10.4% in the Netherlands. Annual property tax in Montenegro ranges from 0.1% to 2%, with net wealth tax being 0% (except 15% on private rental income), while the Netherlands charges up to 36% on the estimated return from assets. Furthermore, Montenegro has 0% inheritance tax, while Dutch inheritance is taxed at 10-40%.

• Real estate prices in sunny destinations:
In prime locations like Barcelona, Marbella or Rome, 1-bedroom apartments cost €150,000–€350,000 for 50 m². In contrast, in Montenegro’s Boka Bay and southern coast, similar apartments range from €90,000–€200,000, offering more value for money.

• Foreign ownership and residence permits:
Foreigners can buy property freely in Montenegro and apply for residence permits through ownership or company setup, which are easily arranged.

• Popular locations:
Coastal areas like Tivat, Kotor, and Budva offer modern amenities and vibrant communities, while mountains like Kolašin and Žabljak provide opportunities for nature lovers and winter sports enthusiasts (skiing!). Just check out the stunning nature in Montenegro!

• Flights to Montenegro:
Flights from the Netherlands to nearby Dubrovnik Airport are convenient, with a short drive (30-60 minutes) to Montenegro’s coast. Airlines like Transavia, KLM, and easyJet serve the route during the season.

In 2023, foreign nationals spent €463 million on real estate in Montenegro, continuing the trend of increasing interest, especially from Western European buyers [Vijesti, Jan 2025]. Whether you're seeking a family home or investment property, Montenegro offers an attractive, cost-effective option.

With our family, we moved from the Netherlands to Tivat in 2019 and never looked back. Let us help you make the same move. Ask all your questions! We are happy to find your dream home, and can help you with all aspects around your relocation to Montenegro. Welkom!

Contact us at +382 67 057 819

https://lnkd.in/d4wfysXM

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Photos: private collection