 They are relatively unaffected by the housing bubble or foreclosures, since share certificates cannot be liened.The low prices may be due to the fact that title to the property is not transferred, but only the occupancy or use rights in the dwelling, making it difficult to take out a loan to buy a Right to Perpetual Use.However, the Atchison Village Credit Union may lend a significant sum against the purchase if the buyer has a co-signer with real property in California.