You can't. Small property houses cannot be loaned or transferred, and there are only two general payment methods: full payment or installment payment. A small property right house refers to a property with a property right certificate issued by the township government rather than the state. In reality, it is often houses built on collective land and sold by some village collective organizations or developers in the name of new rural construction, or "commercial houses" built by farmers themselves. Therefore, it does not really constitute a real right in the strict legal sense.