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Do I need to open an electronic invoice to buy a house with a bank loan?
Need.

You go to the bank for a loan to handle this series of things, and the bank will definitely issue an invoice. Everyone must keep this receipt. After the bank gives you this receipt, you need to take this receipt to the developer to make an invoice.

You can't withdraw the provident fund without this invoice, because you need this invoice when you go through the formalities of provident fund.