With the rise of housing prices, more and more people can't afford to buy commercial housing, so small property houses came into being. Generally, when we hear about a small property right house, the first reaction is that it has no legal property right certificate, which is equivalent to buying a small property right house. There is no legal guarantee, just that it has the right to use. If the national policy changes, small property houses will be taken back at any time. What we are going to say today is "Is it feasible to pay by installment for small property houses?" Related introduction. I. Definition of Small Property Right House A small property right house refers to a house built on rural collective land without paying the land transfer fee, and its property right certificate is not issued by the national housing management department, but by the township government or village government, also known as "township property right house". "Small property right house" is not a legal concept, but a conventional title formed by people in social practice. 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. The emergence of small property houses is closely related to the soaring urban housing prices, which have become the focus of social attention since 2007. According to the relevant requirements of the state, "small property houses" are not allowed to issue certificates and are not protected by law. Second, is it feasible to pay in installments for small property houses? Because small property houses have not been approved by the government and there are no legal procedures for real estate, such houses cannot apply for bank loans. Small property houses are not protected by law. Third, the risk of buying a small property right house is 1. Without the "five certificates", you can't apply for a real estate license. Without property rights, it is not protected by law. 2. It is difficult to compensate for the demolition. As long as the relevant examination and approval procedures are handled according to law, it is a legal building. However, it is not excluded that those illegal buildings outside the scope stipulated by the government may be demolished if they conflict with the national plan, and the owners will not receive compensation for demolition and resettlement. 3, the quality is difficult to ensure that these houses are cheap, the quality of the houses is unsupervised, and some developers will cut corners to make money, which has security risks. This kind of house is generally developed in the village where the land is located. In addition to the housing quality and after-sales warranty is difficult to guarantee, the property management after occupancy is also very prone to problems. 4. Small property houses cannot be mortgaged or listed for resale. Because there is no formal title certificate, small property houses cannot be mortgaged or listed for monopoly. The above are the places that buyers need to pay attention to when buying small property houses. 5. Small property houses cannot be mortgaged. Small property houses cannot be registered in the real estate management department, so they cannot apply for mortgage and other rights. Without other rights, it means that there is no legal pledge to mortgage the bank, and the bank loan will not be approved. This means that you need to pay for the house in one lump sum. An important reason for the existence of a small property right house is that its price is very cheap, which provides a shortcut for many people who can't afford a house but have housing needs. However, the purchase of such houses is not guaranteed by laws and policies, and there are great risks. Therefore, we must be cautious when buying this kind of house. To sum up, we can know that it is not feasible to pay by installment for small property houses, because small property houses have no real estate license in essence, that is, they have no property rights, and they can't provide proof when they borrow from banks, so they can't even apply for loans, so let alone pay by installment. In addition, we should pay special attention to the fact that there is no legal guarantee for small property houses, which is very risky, and it is very likely that the house will lose both money and money.