Frequently Asked Questions

Albania & Montenegro: Yes. Foreigners can obtain a mortgage with local banks, often requiring a down payment of around 30%, making it relatively accessible for international investors. This allows leveraging capital while still securing high-quality properties.

In addition to the purchase price, expect fees such as: Notary and legal fees (~1–2%) Property registration / cadastral fees (~0.5–1%) Realtor commission (if applicable, usually 2–3%)

Yes, in some cases, especially with developers or private sellers, structured payment plans or installment options are possible. Payment schedules are usually negotiable and depend on the property type and agreement.