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Does it matter if the down payment invoice and the loan invoice are opened separately?
It doesn't matter.

When invoicing, just ask the other party to indicate the details. To reflect the same housing. If the self-invoiced amount is too large, there will be a phenomenon that multiple invoices reflect a transaction fact.

If financial treatment is involved:

1, for individuals, when paying the deposit:

(1) Debit: Accounts payable A.

Loan: bank deposit a

(2) Borrow: fixed assets a

Credit: accounts payable a

2. When paying in full:

(1) Debit: Accounts Payable B.

Loan: bank deposit b

(2) Borrow: fixed assets b

Credit: accounts payable b