Mike - Welcome to the Adriatic. I deal in Montenegro and Albania. I have invested in both myself. Whatever the thoughts are that you have in Montenegro for you personally, it is too expensive. The cheapest off plan anywhere near the water will set you back around 90,000 euros and there will be no finance with that. For that you will get around 35m2 of property close the the sea. Until finance comes in from the local banks Montenegro relies on people understanding the long term future of an amazing country. I anticipate strong capital growth over a long period but you need to have the capital to get in. Most use the equity of their first or second homes. Russians and others have laundered cash into property in the multi millions but many many others have not, so don't believe everything you hear on the grape vine. Croatia is a wonderful country although I don't sell there and I believe it has a good future also, once they can get over the petty legislations. Albania allows investors like yourself to pay outright cash for an apartment on the water or take out the finance at around 60% LTV. Prices are around quater of the price of Montenegro and Croatia and the coastline is just a beautiful. I see this as the best investment for a majority of people as it fits in nicely as a little addition to a portfilio or for the investor with a small amount of cash who is prepared to go with the flow for the long term. Let me know if you want more details PM.

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