You can't borrow money. The state stipulates that small property houses cannot be bought or sold, and the sales contract is not protected by law. Once encountered, the country will occupy land and so on, and will not compensate.

Second, can a small property right house be loaned and how to handle it?

"Several Opinions on Registration and Certification of Rural Collective Land Confirmation" clearly stated that the premise of mortgage loan is to provide proof of real estate.

Because the state does not recognize small property houses, it will not go through the registration procedures. Therefore, a small property right house cannot be mortgaged in a bank unless it is changed into a large property right house with a property right certificate.

Due to the different nature of land, China's land is divided into state-owned land and collective land. According to the relevant national laws and regulations, development and construction can be carried out on state-owned land, but the collective land must be converted into state-owned land before development can be carried out according to the plan.

"Collective land can carry out some collective economic activities when permitted. Rural homestead can only solve the housing problem of farmers, and can also be circulated among farmers. But each family is only allowed to have one homestead. Urban residents are not allowed to buy houses in rural areas, with the aim of ensuring farmers' living and living security to the maximum extent.