買房和買地的貸款不一樣 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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別以為別人看不清LZ的小算盤。要麽買地，要麽買房，不要偷雞不成反蝕一把米。

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