My bank does not lend for lots. How can I not get two different loans, but a single loan for the purchase of lot + house?

Since it is a banking issue, we could not give an exact answer to this question. However, the answer they give us from the banks is that you can take out a loan for housing construction and in this you can include the value of the lot. Deliveries of the bank's money are made according to the needs of the buyer.