Hello! Small property houses cannot be transferred, and they cannot go to the bank for mortgage. Small property houses are illegal property and cannot be registered in the real estate registration authority. Even if any institution issues a real estate license, it is also a certificate of immovable property rights that the state does not recognize.

Some people attribute the "homestead house" to a small property right house. This concept is wrong. Homestead house refers to the property that enjoys the right to use the homestead according to law and is built on the homestead, which belongs to legal property. The only similarity between small property houses and homestead houses is that they both occupy collective land-however, the state clearly stipulates that collective land cannot be used to build commercial houses, while small property houses are sold in the name of "commercial houses". Because it is illegal to occupy land, so is a small property right house.

Illegal property, of course, cannot be legally transferred. As for the transaction between buyers and sellers, it is a private act, and neither party is protected by law. Even if you are willing to clinch a deal, you can't register the property. In case of a dispute, it's hard to say who wins or loses. Accordingly, the property that cannot be legally registered cannot be used for mortgage, nor can it be purchased by mortgage.

The so-called small property houses mostly refer to the real estate on rural collective land. Theoretically, these properties are limited to local farmers. Because collective land cannot be divided, these properties have no land certificates.

Later, some businessmen saw that it was profitable and tried to develop real estate on collective land for external sales. Because collective land cannot be traded, the real estate they developed is also commonly known as "small property houses".

Because there is no corresponding ownership certificate, the small property house cannot be registered and confirmed, so it is impossible to go through the mortgage registration formalities in the housing management department. The transaction of small property right houses belongs to private private transactions. Legally speaking, the state does not recognize the legitimacy of such transactions.

So far, the legal status of "small property right house" is not clear, so it cannot be used as mortgage assets, and banks do not accept mortgage loans for small property right houses.

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