The market price of small property houses is very low, which is more than half cheaper than the same type of commercial houses. Many urban residents will choose to buy small property houses. Everyone knows that you can get a loan to buy a commercial house. "Several Opinions on Registration and Certification of Rural Collective Land" clearly points out that small property houses cannot be registered and certified, and banks do not support loans to buy small property houses without real estate licenses. Similarly, when you need money, you can't use your own small property house to apply for a loan from the bank.

How to get loans for small property houses;

Although small property houses can't get loans from banks, it doesn't mean that you can't apply for loans if you buy a small property house. Lenders can choose other loan channels, such as private guarantee companies to apply for loans, mortgage small property houses, and repay on time. But the interest of private guarantee companies is higher than that of banks. Private mortgage of small property houses shall meet the following conditions:

(1) The borrower has no bad credit record and must be a farmer with certain operating income and loan willingness.

(2) The borrower is a farmer who has completed the property right certificate issued by the township government with small property rights.

(3) farmers who have paid the land transfer price and have applied for collective land use warrants.

(4) In the loan application review, it is necessary to issue a written certificate that the land use right made by the village committee is unified with the house mortgage and the mortgage right is realized. Farmers who apply for rural housing mortgage registration still have houses to live in after their houses or mortgaged properties are sold or disposed of.

When auditing, it is necessary for rural grassroots business offices and local towns and villages to jointly audit the authenticity of the legal property certificates submitted by farmers and have written certificates. Eligible farmers can get loans.

Although small property houses cannot get loans from banks, they can get loans through other channels. Here, I would like to remind you that small property houses are illegal buildings, so we should be cautious in buying and selling them.