Montenegro Residency by Investment: 2026 Guide for Chinese Investors (黑山投资居留指南)

Why Montenegro? | 为何选择黑山？

Montenegro, known as 'The Pearl of the Mediterranean,' is rapidly becoming a preferred destination for Chinese investors seeking a European foothold. With a flat 9% corporate and personal income tax — among the lowest in Europe — and a fast-track to EU membership, Montenegro offers an unparalleled gateway to global opportunity.

黑山，被誉为「亚得里亚海的明珠」，正迅速成为中国投资者进入欧洲市场的首选目的地。黑山拥有欧洲最低的统一税率之一——企业所得税和个人所得税均为9%，并在快速推进欧盟成员国申请进程，为投资者提供了进入全球市场的绝佳机会。

1. Residency by Company Formation | 通过注册公司获取居留权

The most efficient pathway for Chinese citizens to obtain EU-standard residency is by establishing a Limited Liability Company (DOO) in Montenegro. The minimum capital requirement is just 1 Euro, and the entire registration process takes approximately 10–15 working days.

对中国公民而言，在黑山注册有限责任公司（DOO）是获得欧盟标准居留权最高效的途径。注册最低资本金仅需1欧元，整个注册流程约需10至15个工作日。

• Full 100% foreign ownership is permitted for Chinese citizens. | 允许中国公民持有100%的公司股权。
• Ability to open Euro-denominated corporate bank accounts. | 可开设欧元计价的企业银行账户。
• Immediate family members (spouse and children) can join through family reunification. | 直系家属（配偶及子女）可通过家庭团聚政策随行。

2. Real Estate Investment | 房地产投资

Investing in Montenegrin coastal real estate — particularly in Budva, Kotor, or Tivat — provides exceptional rental yields of 8–12% ROI annually, while simultaneously securing a residency permit for the investor and their family.

投资黑山沿海房地产——尤其是布德瓦、科托尔或蒂瓦特地区——每年可获得8%至12%的优异租金回报率，同时为投资者及其家属取得居留许可证。

Key Investment Advantages | 投资核心优势

• 9% flat tax rate — the lowest in Europe | 9%统一税率——欧洲最低之一
• EU membership candidate — expected by 2028 | 欧盟候选国——预计2028年入盟
• No minimum investment threshold for company formation | 公司注册无最低投资额限制
• Schengen-zone proximity and travel freedoms | 毗邻申根区，享有广泛出行自由
• No wealth or inheritance taxes | 无财富税或遗产税

Key Facts for Chinese Investors | 中国投资者须知

Understanding the legal and procedural landscape is important before beginning your investment journey. Here is what Chinese nationals need to know:

在开始投资之旅前，了解相关法律和办理流程至关重要。以下是中国公民需要了解的重要事项：

• Visa Requirements: Chinese citizens typically require a visa to enter Montenegro, unless holding a valid US or Schengen visa. Rona Legal assists with the full business invitation and visa application process. | 签证要求：中国公民通常需要签证入境黑山，除非持有有效的美国或申根签证。Rona Legal将协助完成全套商务邀请函及签证申请流程。
• Process Duration: From initial consultation to receiving a physical residence card typically takes 4–8 weeks. | 办理周期：从初次咨询到拿到实体居留卡，通常需要4至8周。
• EU Membership: Montenegro is the frontrunner for full EU membership, with accession expected before 2030. | 欧盟入盟：黑山是欧盟扩张中的领跑者，预计2030年前完成入盟。

黑山提供全欧洲最低税率之一（9%）。对于希望实现资产全球化配置、获取欧洲居留身份并为子女提供欧盟教育机会的中国家庭而言，黑山是目前综合条件最为优越的选择之一。

Montenegro offers one of Europe's lowest tax rates (9%). For Chinese families seeking to diversify their global assets, obtain European residency status, and create EU educational opportunities for their children, Montenegro currently stands out as one of the most comprehensively advantageous options available.