Buy a land!

[Frank S]

Way too little information for anyone to be able to offer much in the way of advice.
First off if I were you I would not spend my savings towards the purchase of the land, rather I would try to work out a way to offer it up as a secondary security by placing it in an escrow or trust account OR better yet speak with a financial adviser prior to doing anything.
IMHO a savings should only be used to increase its value never spent.
Even if you were able to purchase the land by using your savings plus a personal loan where would the funding come from to construct the home? What is your total debt load percentage wise to your monthly/ yearly income.
Owning a piece of land is great but if you must labor for years before you would be in a financial position to construct the home where would the enjoyment in that be?
If the piece of land is of sufficient size that once paid for or enough equity in it is established that a small part of it could be deeded separately as a home site Possibly a loan could be taken out for the home using the rest of the land as collateral