Nope. Your and our places belong exclusively to you and us. We are 100% owners and possessors. We merely have a loan agreement with the bank. Nothing more, nothing less. The bank can't do anything to the place as long as you pay your installments – for as long as that lasts, you can do whatever you want (except torching the place ;-))
And even if you don't pay your installments, the bank doesn't become the owner of the place but lets it be auctioned off.
That's hair-splitting blah.
As long as you and I transfer a sum X to someone so we’re allowed to live in the property, we are ultimately tenants. Because whether the place still has any value in 20 years, nobody knows.
This applies especially to those who have just newly built (like most here) and therefore own barely more than 20, maybe 30% of the house.
What belongs to me is what I can sell and pocket the proceeds 1 to 1.