So you’re exploring real estate in Montenegro and someone has offered you a “great deal” on a brand-new apartment, building or villa – that hasn’t actually been built yet. Sounds exciting, right?

Buying off-plan (which means purchasing a property before it’s completed – sometimes before construction has even started) can be a smart move. But it’s also a move that comes with real risks. If you're reading this, you're probably wondering:
Is it worth it? Can I trust it? How do I do it right?

Let’s walk through what you need to know before you invest in off-plan property in Montenegro – and how we at Evkowski help clients like you protect your money and make the most of the opportunity.


The Rewards – Why Off-Plan Can Be a Great Deal

When done right, buying off-plan can be a fantastic investment. Here's why:

1. You get a lower price

Off-plan properties are almost always cheaper than completed ones. You're essentially buying at today’s price – and by the time it’s ready, the value has often gone up.

2. You can customize the layout and finish

Want an open kitchen instead of a separate one? Matte tiles instead of glossy? Many developers let you personalize details when you buy early.

3. Great potential for resale or rental

If the location is good and the market strong, your off-plan property can be rented or sold for a profit by the time construction finishes.


The Risks – What You Need to Watch Out For

Now, let’s be honest: not all off-plan stories end well. Here are the main things that can go wrong – and how you can avoid them.

1. Delays (or no construction at all)

Just because a brochure looks nice doesn’t mean the building will ever be finished. Some developers face financial issues. Others never start.

How we help you: We investigate the developer’s background, building licenses, financing, and previous track record – before you sign anything.

2. Legal grey zones

Are you sure the land is legally owned? That the project is approved by local authorities? That your contract protects you?

How we help you: We work with trusted notaries and legal advisors to make sure your investment is 100% secure – no surprises later.

3. Unexpected costs

Some buyers are hit with “extra charges” near completion – like connection fees, taxes, or changes in VAT. These can eat up your profit fast.

How we help you: We review the full cost structure up front – and make sure everything is in writing in your contract.


Should you buy off-plan property in Montenegro?

Here are a few questions to ask yourself before making that decision:

  • Are you okay with waiting 12–24 months before you can use the property?
  • Do you have a buffer if something is delayed or changes slightly?
  • Are you working with someone local who can check in on things?
  • Do you fully understand what you're signing?

If you're unsure about any of these, you shouldn’t walk away – but you should get someone local and experienced to back you up. That’s where we come in.


How Evkowski Company supports you (and protects you)

Here’s what we do when you choose to invest in off-plan property with our help:

  1. We check the developer – background, licenses, finances, past builds
  2. We review every contract with your best interests in mind
  3. We negotiate better terms (yes, it’s possible)
  4. We act as your eyes on the ground – we visit the site, take photos, follow progress
  5. We stay with you until completion – and beyond, if you want to rent or sell

You don’t have to figure this out alone. We've helped foreign clients buy off-plan properties in Budva, Tivat, Kotor, and more – and we know what to look for (and what to avoid).


Let’s talk before you sign anything

If you’ve found a project you're interested in – or just want to explore off-plan opportunities – let’s talk. We’ll give you honest feedback, no pressure. Just real advice from people who live here and care about your success.

Email us at invest@evkowski.com