Can less than one owner refuse to pay the property fee? Under what circumstances can he refuse to pay the property fee?

The property management company is willing to tolerate you because it is not ready to do that.

It doesn't matter if it's not in place. It depends on the content and standard of the contract. You have a contractual relationship. If you want to reduce or exempt, you can negotiate or sue.

By the way, it is all the business households in the community, not the property company.

Finally: you can violate the law by not paying or delaying, and the property management company can also violate the law or repair your water and electricity.