EU Enlargement Commissioner Marta Kos said it in Podgorica on 25 March: Montenegro is on track to close all negotiation chapters in 2026. Fourteen already closed, six in December alone.
If you're waiting for accession day to buy, you're reading the calendar wrong.
Accession doesn't raise prices. It removes the discount. The gap between the Montenegrin coast and comparable EU coastline exists because of paperwork and perceived risk. Every closed chapter shrinks that gap a little, quietly, before any headline.
The honest part: accession doesn't fix roads, court backlogs or municipal coordination. Those reprice on their own schedule.
What I'd watch: the remaining chapters through 2026, and whether the market prices the finish line before it's crossed. It usually does.
Source: European Commission / EU Council