The time to pay the house deed tax for the auction house is: the house is completed and accepted, delivered for use, and the house deed tax is paid when the real estate license is handled, while the provident fund loan will be handled after the house is capped, and the provident fund loan will generally be handled before the deed tax is paid, so there is no influence on the approval of the provident fund loan, but try not to pay it more than one year after the house is handed over, or you will need to pay a late fee.