According to the laws of our country, property with unclear ownership and use right or disputed property shall not be mortgaged. Therefore, small property houses cannot be mortgaged.
legal ground
Article 395 of the Civil Code stipulates that the following properties that the debtor or a third party has the right to dispose of can be mortgaged:
Buildings and other land attachments;
Second, the right to use construction land;
(3) the right to use the sea area;
(4) Production equipment, raw materials, semi-finished products and products;
(5) Buildings, ships and planes under construction;
(6) means of transportation;
(seven) other property not prohibited by laws and administrative regulations.
The mortgagor may mortgage the property listed in the preceding paragraph together.