The commercial house (large property right house) we are talking about should have complete "five certificates" and can be mortgaged, while the small property right house will not be put on record in the trading market, nor can it be purchased by mortgage. Commercial housing land with large property rights is state-owned land transfer (state-owned land use certificate can be issued), while small property rights are mostly collective land (state-owned land use certificate cannot be issued).

The so-called small property rights issued by the township government actually have no real property rights. 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 title certificate is not really legal and effective.