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Figuring out your expenses is easy, and doesn’t take a lot of time. It is very important that is pfizer viagra available in india you know exactly what everything will cost on a monthly basis before you take the plunge. Whether your buying the house as an income property or to live in yourself, you need to know without a doubt exactly what the numbers will be. Here are some descriptions of things that you will need to think about. Property Tax Unfortunately homeownership is another way that the government can hit us with taxes. Is pfizer viagra available in india this money that we pay goes towards municipal services. Your property taxes are calculated based on a combination of property value and location. This amount is reassessed each year so it will most likely increase on a yearly basis. Property Management You have two options for managing your property: You do it yourself - This options is the most cost effective solution, this may be your best option if you are just starting out, and can not afford that extra 5%-10% per month of expenses. There will come a time when there is too much for you to do it all yourself, and at the time you should hire a property management company to do the work for you. Your other option is to have it all done for you. This means of course that you hire a company to collect your rent checks, deal with tenants, keep the unit occupied, and you just sit back and wait for the money to come it. The only downside to this option is that you have to pay for it. Most property management companies charge between 5% [is pfizer viagra available in india] and 10% for their services. One great benefit of hiring a company to do it for you is that you are not tied down to one area and you can pick up and leave at any time without having to get someone to cover for you. Maintence fees There are a lot of small things that you may have to do around the house to keep it running it good order. Sometimes there are big things. A leaky roof, a broken toilet, the washing machine stops working; these are all things that you will have to take care of. That is why you should have extra money in your emergency fund to cover these costs, and factor in a monthly cost into your projected monthly expenses. There will always be things that come up which you don’t expect so you need to be prepared for it. Home insurance Getting home insurance is another way that you should prepare for the unexpected. Most mortgage company require that you get home insurance to secure their collateral. For example, if your house were to burn down they would be able to recover the money they lent to you through the insurance. Utilities If you are living in the house and renting out a part of it then you should decide whether or not you will be covering the utility or if the tenant will take care of that on their own. Condo Fees Condo fees can be one of the major reasons why renting out a condo is not cost effective. Make sure you factor this fee into your calculations. If you are buying a house for renting purposes, make sure that you get the history of what the house has been rented for is pfizer viagra available in india, and make sure you get a look at it's records. You can get online to help you figure it all out.


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