买房和买地的贷款不一样 Land loan is different from Mortgage.

For lenders, land loans are riskier because the loan's collateral, the property, isn't being used for housing, at least in the near term. That makes it easier for an owner to walk away and leave the lender stuck with the land. Because of that risk, down payments and interest rates are higher for land loans than for mortgage loans.

Read more: http://www.bankrate.com/finance/mortgages/what-you-should-know-about-land-loans.aspx#ixzz41xOZvjcb 
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别以为别人看不清LZ的小算盘。要么买地，要么买房，不要偷鸡不成反蚀一把米。

Mortgage requires real property, which is improved land (land with structure).  If you are only buying the land, you can't get a mortgage.