After the bank lends money, the developer should issue a purchase invoice. According to the staff of the municipal housing exchange, as long as the full amount is paid, an invoice should be issued. If it is a loan to buy a house, as long as you get the receipt and loan transfer certificate, you can find the developer to change the invoice.

Invoice rules:

1. When collecting money for selling goods, providing services and engaging in other business activities, an invoice shall be issued to the payer. Under special circumstances, the payer will issue an invoice to the payee;

2 invoices shall be issued in accordance with the prescribed time limit, sequence, column and time, and stamped with the special seal for unit invoices;

3, the use of computer to issue invoices, must be approved by the national tax authorities, and the use of off-site invoices under the unified supervision of the national tax authorities, and require the stub to be numbered and bound in sequence after issuing;

4. Invoices are only used by units and individuals who purchase and purchase goods in this city or county. Cross-city and county invoices shall be used;

5. When the contents of tax registration of billing units and individuals change, the procedures for changing invoices and invoice purchase books shall be handled accordingly; Before canceling the tax registration, the invoice receiving and purchasing book and invoice shall be handed in;

6, all units and individuals engaged in production and business operations, in the purchase of goods, services and other business activities to pay money, to the payee for invoices, shall not be required to change the name and amount;

7. Invoices that do not meet the requirements shall not be used as reimbursement vouchers, and any unit or individual has the right to refuse them;

8. Invoices shall be used within the validity period, and become invalid after expiration.

What is the use of purchase invoices?

1, used for real estate license.

If there is no purchase invoice, the process of handling property right certificate will be more complicated. Because the materials needed to handle the house property right certificate include the purchase contract, the applicant's ID card, the house registration application form, the full purchase invoice and other related documents, which prove that the house has completed the capital delivery and the house property right can be registered in the name of the purchaser. If the property buyer can't provide it, it means that the house has not paid all the relevant taxes and fees and can't handle the property right certificate.

2. It is used to withdraw the provident fund.

If the buyer wants to withdraw the provident fund to repay the mortgage, he needs to provide a full purchase invoice to prove that the house has been paid in full and the house has been owned by the buyer himself. Without the purchase invoice, this relationship cannot be proved, and it is impossible to withdraw the provident fund to repay the mortgage normally.

3. Used for settlement.

After buying a house, many people want to move their accounts, but when they settle down, they also need buyers to provide purchase contracts and purchase invoices. Purchase invoices are very important, but some developers don't invoice buyers for tax evasion. If the developer can't issue a purchase invoice, the buyer can confidently ask them for it.

4. Self-occupied houses sold for less than five years need to provide purchase invoices to calculate individual taxes.

For many property buyers, buying and selling houses is a very common situation. In the process of selling a house, if the house has been sold for five years and is the only house in the family, it can be exempted from personal income tax. However, if it does not meet the requirements, it needs to bear 0% of the total transaction amount of 65438+ or 20% of the difference as personal income tax.