Small property houses can use provident fund loans. Small property houses refer to houses built on rural collective land, without paying land transfer fees, and their property certificates are issued not by the state housing management department, but by the township government or village government, also known as "township property houses". This kind of house has no land use certificate and pre-sale permit issued by the state, and the purchase contract will not be filed with the State Administration of Land and Housing. The so-called property right certificate is not really legal and effective.

Legal objectivity:

Measures for the administration of urban real estate mortgage

Article 32

To handle the registration of real estate mortgage, the following documents shall be submitted to the registration authority:

(1) The identity certificate or legal person qualification certificate of the mortgagor;

(2) An application for mortgage registration;

(3) mortgage contract;

(4) State-owned land use right certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted;

(5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage;

(6) Information that can prove the value of the mortgaged real estate;

(7) Other documents deemed necessary by the registration authority.