1, the commercial house (large property right house) we are talking about must have "five certificates" and can be mortgaged, while the small property right house will not be registered in the trading market and cannot be purchased by mortgage.

2. The land for commercial housing with large property rights is of the nature of state-owned transfer (state-owned land use certificate can be applied), and the land with small property rights is mostly of the nature of collective land (state-owned land use certificate cannot be applied).

3, large property houses can be pre-sold, while small property houses are prohibited from buying and selling, not to mention there is no pre-sale certificate.

4. Large property houses can be signed online and filed in the Housing Authority, while small property houses cannot be filed in the Housing Authority.

5. Large property houses can support bank mortgage loans, while small property houses cannot make bank mortgage loans.

Second, the so-called "small property right" refers to the house built on the collective land of farmers, and the land transfer fee has not been paid. The property right certificate is not issued by the national housing management department, but by the township government or the village government, so it is called "township property right" and also called "small property right".

Third, 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.