Is the city full of flowers a small property right? Can I get a loan?

In Beichen District, it is a small property right house and loans are not allowed.

Small property houses refer to houses built on rural collective land, without paying land transfer fees, and their property certificates are issued not by the state housing management department, but by the township government or village government, also known as "township property houses". "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.