both problems are difficult. The flexibility may still be risky. It seems that the suggestions are as follows:

1. The safety of your funds has been locked by the second question. If it is not possible to go to the bank, it is recommended to take the cooperative housing contract as a joint venture, and the project party will buy back the equity;

2. The second question can be signed by means of equity purchase, complete the control of the land plot, and agree on the transfer method, but it needs to be discussed clearly when it comes to taxation.

at present, it seems that this is the only way.

please give points ~ ~ ~