Why is there no invoice for the down payment of the house? Revealing the financial blind spots in buying a house
Recently, the issue of missing invoices for home down payments has caused heated discussion. Many home buyers found that they did not receive formal invoices after paying their down payments, and some developers even refused to issue them on the grounds of "industry practice." What risks lie behind this phenomenon? This article combines the hot topics on the Internet in the past 10 days to provide you with an in-depth analysis.
1. Statistics on missing down payment invoices
| area | Number of sampling items | Proportion of invoices without down payment | main reason |
|---|---|---|---|
| first tier cities | 32 | 68% | "No tickets will be issued during the pre-sale stage" |
| New first-tier cities | 45 | 72% | "The down payment is included in the deposit" |
| Second and third tier cities | 28 | 81% | "Unified invoicing after handover" |
2. Common tricks used by developers to refuse invoices
1."Pre-sale qualification" rhetoric: Some developers claim that the project is in the pre-sale stage and cannot issue formal invoices, but only provide receipts.
2."Fund supervision" excuse: On the grounds that the down payment needs to be entered into the supervision account, the invoicing time is delayed and the tax liability is actually evaded.
3.“Financial process” delays: Promised to issue a replacement invoice after signing online, but later gave various reasons to shirk the responsibility, and ultimately nothing happened.
3. Five major risks of down payment without invoice
| Risk type | specific impact | probability of occurrence |
|---|---|---|
| Lack of evidence for rights protection | Difficulty in proving evidence during check-out disputes | high |
| tax audit risk | Suspected of tax evasion | in |
| Loan Approval Barriers | The bank requires additional vouchers | high |
| Difficulty in proving assets | Immigration/visas affected | low |
| Secondary transaction disputes | Affects house valuation determination | in |
4. Response strategies and legal basis
1.Request your voucher now: According to Article 20 of the "Invoice Management Measures", the payee shall issue an invoice to the payer.
2.Preserving evidence in stages: Save the original POS slip, bank statement, and receipt, and require a financial seal.
3.Tax reporting channels: Dial 12366 or log in to the Electronic Taxation Bureau to report. The developer may face a fine of up to 10,000 yuan.
4.Supplementary Agreement Terms: It is clearly stipulated in the house purchase contract: "A general VAT invoice must be issued within 7 working days for the down payment."
5. Suggestions from industry experts
Real estate lawyer Li Ming pointed out: "The newly revised "Administrative Measures for Pre-sale of Urban Commercial Housing" in 2023 clearly requires that formal bills must be issued for the collection and payment of pre-sale funds. Home buyers can complain to the housing and construction department, and the regulatory department has the right to suspend the project's online signing qualifications."
Financial expert Wang Fang reminded: "The down payment invoice directly affects the personal tax deduction for home purchase expenses, especially when the first home loan interest is specifically deducted, a complete invoice chain for the full purchase price must be provided."
6. Latest regulatory developments
According to the August work briefing of the Ministry of Housing and Urban-Rural Development, seven cities have carried out special inspections of pre-sale fund bills, focusing on:
| Violations | Punishment cases | Rectification requirements |
|---|---|---|
| No invoice is issued | A project in Changsha | Reissue within a time limit + 50,000 yuan fine |
| Use your own receipt | A real estate company in Chengdu | Comprehensive replacement of regular invoices |
| Fake “electronic invoice” | A real estate in Guangzhou | The system enters real transactions |
If home buyers encounter similar problems, they can take the following actions immediately: 1) Log in to the "National 12315 Platform" to make an online complaint; 2) Send written materials to the inspection branch of the local tax bureau; 3) Submit clues through the "State Council Client" applet. Keep records of all communications and, if necessary, file a civil lawsuit for double compensation.
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