# Property Investing

## Property investing considerations

<table border="1" id="bkmrk-pros-const-%22passive%22" style="border-collapse: collapse; width: 100%;"><colgroup><col style="width: 50%;"></col><col style="width: 50%;"></col></colgroup><tbody><tr><td>PROS</td><td>CONST</td></tr><tr><td>- "Passive" income
- Tax deductions if property is owned by a human and human is working
- Increase in property value, proportional to deposit
- Hard to go to $0 like stonks
- Can use proptery as collateral

</td><td>- TAX
- Strata (Tax deductable)
- Council Tax (Tax deductable)
- Mortgage fees (Tax deductable)
- Mortgage interest (Tax deductable)
- Water bills (Tax deductable)
- Repairs (Tax deductable)
- Land tax (If owned by a trust) (Tax deductable)
- Insurance (Tax deductable)
- Property management
- Stamp duty on buy
- Converyancer costs on sale

</td></tr></tbody></table>

## Property ownership

<table border="1" id="bkmrk-pros-cons-increase-i" style="border-collapse: collapse; width: 100%;"><colgroup><col style="width: 50%;"></col><col style="width: 50%;"></col></colgroup><tbody><tr><td>Pros</td><td>Cons</td></tr><tr><td>- Increase in property value, proportional to deposit
- No land tax
- No cappy gainz when selling
- Can use proptery as collateral

</td><td>- Strata
- Council Tax
- Mortgage interest
- Mortgage fees
- Water Bills
- Repairs
- Insurance?

</td></tr></tbody></table>

<div id="bkmrk-">  
</div>## Renting

<table border="1" id="bkmrk-pros-cons-no-water-b" style="border-collapse: collapse; width: 100%;"><colgroup><col style="width: 50%;"></col><col style="width: 50%;"></col></colgroup><tbody><tr><td>Pros</td><td>Cons</td></tr><tr><td>- No water bills
- No mortgage
- No landlord insurance
- No strata
- No council
- Not stuck in one place Cons

</td><td>- Can't capture increase in value
- Moving costs
- Can't put nails in walls
- Repairs can be harder
- Renters insurance

</td></tr></tbody></table>