The bank taking the building expenses plus increase
A:
If
the bank buys and reclaims land for you, and charges you the capital, costs and interest, this is considered obvious Riba (usury), because it is a loan which yields an interest. Scholars unanimously agree that each loan which yields an interest is considered Riba.
May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.