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      Super Cheap

      • Chitré, Panama
      • Santa Marta, Colombia
      • Phuket, Thailand
      • Dumaguete, The Philippines

      Cheap

      • Medellin, Colombia
      • Boquete, Panama
      • Kyrenia, Cyprus
      • Hua Hin, Thailand
      • The Algarve, Portugal

      Affordable

      • Valencia, Spain
      • Cascais, Portugal
      • Las Terrenas, The DR
      • Pisa, Italy
      • La Rochelle, France
      • Mazatlán, Mexico

      Luxury

      • Ambergris Caye, Belize
      • Kotor, Montenegro
      • The Panama City Beaches
      • Paris, France
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      • Home
      • Countries

        Top Destinations:

        Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

        • Spain
        • Portugal
        • Panama
        • Belize
        • Colombia
        • Cyprus
        • Mexico
        • France
        • Montenegro
        • Browse All Countries

        Best For:

        • The Best Places To Retire
        • Health Care Abroad
        • Cost Of Living
        • Investing in Real Estate
        • Establishing Residency
        • Gun Laws In The World
        • English-Speaking Countries
        • Safest Places For Retirement
        • Best Places In Latin America
      • Budgets

        How Much Will It Cost You To Live Overseas?

        The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

        Super Cheap

        • Chitré, Panama
        • Santa Marta, Colombia
        • Phuket, Thailand
        • Dumaguete, The Philippines

        Cheap

        • Medellin, Colombia
        • Boquete, Panama
        • Kyrenia, Cyprus
        • Hua Hin, Thailand
        • The Algarve, Portugal

        Affordable

        • Valencia, Spain
        • Cascais, Portugal
        • Las Terrenas, The DR
        • Pisa, Italy
        • La Rochelle, France
        • Mazatlán, Mexico

        Luxury

        • Ambergris Caye, Belize
        • Kotor, Montenegro
        • The Panama City Beaches
        • Paris, France
      • Resources

        Global Living

        • Living & Retiring Overseas
        • Raising A Family Abroad
        • Foreign Residency & Citizenship
        • Offshore & Diversification

        Making Money

        • International Real Estate
        • Banking
        • Employment
        • Investing

        Follow Us:

        • Meet Our Experts
      • Real Estate

        Join our Weekly Newsletter
        Overseas Property Alert

        Sign up for our weekly newsletter to receive expert insights on the best international real estate investment opportunities.






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          PANAMA CITY, PANAMA

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          VIRTUAL

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          Valencia, Spain

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          Home In Focus: Europe

          Will EU Membership Transform Montenegro’s Economy Like It Did Ireland’s?

          by Con Murphy
          May 02, 2024
          in In Focus: Europe, Montenegro
          0 0
          Beautiful romantic old town of Kotor during sunset. Best Places To Buy Real Estate Overseas

          Adobe Stock/rudi1976

          Ireland is one of the richest countries in the world, with a per capita GDP of US$125,000.

          But only 51 years ago, Ireland was one of the poorest countries in Western Europe, with a per capita GDP of just US$2,080.

          What caused this miraculous change in fortunes?

          It wasn’t the luck of the Irish, nor a leprechaun’s pot of gold…

          It was Ireland’s accession to the EU (then called the EEC) in 1973 and the introduction of a low corporate tax rate.

          In just 20 years, Ireland was transforming into the Celtic Tiger.

          Graph showing Ireland’s economic growth
          The dotted line shows Ireland’s economic growth without EU membership

          The difference in what its economy would have produced by 2010 if it hadn’t joined the EU is staggering.

          Ireland is not the only country whose economy has been supercharged by EU membership…

          Estonia

          Estonia joined the EU in 2004, but the positive effects on its economy started before it was allowed in.

          This is because investors realized that Estonia was going to join the EU and got in early to reap the biggest benefits.

          Graph showing Estonia’s economic growth
          The solid line shows Estonia’s GDP after joining the EU; the dotted line shows where it would have been if it hadn’t joined the EU

          Estonia has a population of 1.3 million. At 20%, its corporate tax rate is below the EU average.

          Latvia

          Latvia joined the EU at the same time as Estonia and experienced similar economic growth.

          Graph showing Latvia’s economic growth Latvia is also a small country on the edge of the EU. Its population is 1.8 million, and it has one of the lowest corporate tax rates in the EU at 15%.

          You can see the trend here…

          Small, low-population, low-tax countries get a significant economic boost from joining the EU.

          Start Your New Life Today, Overseas






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            Who’s Next?

            Eight countries in Eastern Europe are currently jostling to join the EU.

            The next accession date is in 2025, and Montenegro is first in line.

            Like Ireland, Estonia, and Latvia, it’s a small country with a population of 625,000.

            Its GDP is about US$6 billion. It has grown significantly from US$4.14 billion in 2010, buoyed by anticipation of the economic benefits EU membership will bring.

            Its economy is based primarily on services (60%), industry (14%), and agriculture (6%).

            Tourism and banking are the main players in the services sector and are performing well. Tourism grew at a healthy 9% per year between 2011 and 2019.

            Montenegro offers rich culture, natural beauty, and nice weather. Six months a year, the average temperatures are above 64°F (18°C).

            It’s still a low-wage country, with the average gross monthly salary being less than 900 euros.

            It’s also a low-tax country. Its corporate tax rate is 15%, making its economic profile similar to those of the other countries in this study.

            In 2021, Montenegro’s inflation rate was just 2.4%. Its debt-to-GDP ratio is a healthy 74% and falling.

            Montenegro's debt-to-GDP ratio graph

            How Will EU Membership Affect Montenegro?

            It stands to reason that Montenegro will enjoy similar economic growth to Ireland, Estonia, and Latvia when it joins the EU in 2025.

            This is partly because of the billions in development grants that the EU showers on its new entrants. As of 2020, Montenegro had received over 507 million euros in grants to assist its preparation to join.

            But the following intangible factors of EU membership will also play a role in its economic rise…

            Access To The Single Market And Economic Integration

            This is the most obvious benefit of EU membership. The EU has 450 million potential buyers of Montenegrin services.

            In short, Montenegro will be able to buy and sell goods and services to all other EU countries, duty- and tariff-free.

            Montenegro currently enjoys duty-free imports of most goods because it’s so close to full EU membership. After joining, all Montenegrin goods and services will have duty-free access to the EU, too.

            Free Mobility Of Workers

            The enhancement of human capital, the exchange of knowledge and information, and the creation of cross-border networks are the next biggest benefits of joining the EU.

            Security

            Crime and terrorism become much easier to tackle once you are in the EU with the shared intelligence and policing resources it provides. So, this makes EU states safer, and policing comes at a lower cost than in non-EU countries.

            Environmental Protection

            This is another huge benefit of EU membership, as vast amounts of grant funding become available for environmental conservation initiatives.

            Peace

            The EU will protect its members, even if they aren’t part of NATO. Russia likely wouldn’t have invaded Ukraine if it had been an EU member.

            Democracy And The Rule Of Law Protections

            Countries that don’t operate in a transparent manner, subvert the rule of law, or corrupt their judicial systems face sanctions and eventual expulsion from the EU.

            Hungary and Poland have lost billions in grant aid for interfering with their judicial systems. Lower corruption means less waste in the economy.

            Consumer Protection

            EU consumer protection laws are strict. Anyone buying or selling in the EU is covered by these laws, making trade easier.

            The Property Market

            Montenegro’s house prices are already rising. In the year ending December 2022, its property market grew by 20.5%.

            It offers strong investment potential. Average house prices for new builds are 1,399 euros per square meter, making it the third-cheapest place to buy property in Europe after Macedonia and Moldova.

            Capital gains and rental profits are taxed at 9%, making it one of the lowest tax rates for property investors in Europe.

            The Top Tourism Destination In Montenegro

            The Bay of Kotor is a deep, craggy inlet in the Adriatic Sea.

            It’s blessed with 57 miles of sparkling coastline that features towering mountains and stunning fjords.

            The bay is dotted by a charming mix of medieval villages, modern towns, and developments complete with superyacht marinas.

            The ultra-wealthy treat this yachting paradise like their own private riviera.

            Here’s a prime example of the high-quality property available in Montenegro…

            It’s located 7 minutes from Tivat International Airport, 10 minutes from the UNESCO Heritage old town of Kotor, and 12 minutes from the luxurious Porto Montenegro Marina.

            This is a pre-construction investment opportunity.

            A a pre-construction investment opportunity in MontenegroAmenities to be included are an infinity pool, yoga studio, gym, bar, vitamin bar, beach club, restaurant, gym, shuttle bus, car parks, entertainment room, 24-hour security and CCTV, and a children’s activity area.

            The low entry price and high quality of this development are what make it so desirable.

            Studio apartments start at less than 103,000 euros, and they offer 22.5 square meters of apartment plus 7 square meters of private terrace for a total of 29.5 square meters of total indoor and outdoor living space.

            Go here to find out more about this high-quality golden visa investment opportunity.

            And remember, buying any house or condo in Montenegro automatically makes you eligible for a golden visa.

            Sincerely,
            Con Murphy signature
            Con Murphy
            Editor, Overseas Property Alert

            Tags: European UnionMontenegro
            Share85Tweet53
            Con Murphy

            Con Murphy

            Con was born in Limerick, Ireland in 1981. After Studying Business and Legal Studies at the University College Dublin he worked as a real estate researcher in the U.K and South Africa. In 2006 Con decided to make the move to Belize. During his time in Belize, Con has worked as an owner’s representative in the redevelopment of an award winning Boutique Resort and Spa in the Cayo district, a founding member of a Real Estate Development Company and a founding Director of a Start-up Oil and Gas Exploration company.

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                  HOME

                  Top Countries

                  • Spain
                  • Portugal
                  • Panama
                  • Belize
                  • Colombia
                  • Cyprus
                  • Mexico
                  • France
                  • Montenegro

                  Best For:

                  • Health Care Abroad
                  • Retirement Living
                  • Cost Of Living
                  • Investing in Real Estate
                  • Establishing Residency
                  • Gun Ownership
                  • English Speakers
                  • Safety
                  BROWSE ALL COUNTRIES

                  Budgets

                  How Much Will It Cost
                  To Live Overseas?

                  Super Cheap

                  • Chitré, Panama
                  • Santa Marta, Colombia
                  • Phuket, Thailand
                  • Dumaguete, The Philippines

                  Cheap

                  • Medellin, Colombia
                  • Boquete, Panama
                  • Kyrenia, Cyprus
                  • Hua Hin, Thailand
                  • The Algarve, Portugal

                  Affordable

                  • Valencia, Spain
                  • Cascais, Portugal
                  • Las Terrenas, The DR
                  • Pisa, Italy
                  • La Rochelle, France
                  • Mazatlán, Mexico

                  Luxury

                  • Ambergris Caye, Belize
                  • Kotor, Montenegro
                  • The Panama City Beaches
                  • Paris, France

                  Resources

                  Global Living

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