If it is in stages, the developer will issue an invoice after receiving the money, which belongs to the loan purchase. After the buyer pays the down payment, the developer shall issue the down payment invoice. After the bank lends money, the developer will issue a full payment invoice. At this time, the buyer will return the down payment invoice to the developer and get the full invoice.

In the case you described, if the developer has received the bank loan, you can exchange the full invoice with the developer at any time. If the seller refuses to issue a new invoice, according to the Administrative Measures for Reporting Tax Violations, you can provide valid payment vouchers, such as bills and receipts, and call the tax service hotline: 12366- 1 to report, and the staff will accept and make a work order and forward it to the competent tax authorities for verification and investigation.