The developer will give you two invoices, one is the down payment invoice, the other is the loan invoice, and the two invoices add up to the total house payment. You said that the provident fund has also been loaned, which means that the down payment invoice must have been issued, otherwise you can't get the loan without the invoice. Then, if the loan is made, it means that you have paid the full amount. You can ask the developer to issue a loan invoice. If not, you can call the local tax bureau directly and report their tax evasion. You can also complain to the Housing and Construction Bureau that developers don't invoice for collecting money. These two departments can scare developers to death. If you don't open it, you can sue. But to be honest, the purchase of invoices has little impact. The most important thing is to get the real estate license (real estate title certificate) in your name as soon as possible. It doesn't matter whether there is an invoice or not.