Actually if I recall correctly they set it where you have a few days or maybe a week to build on the plot you purchased I would need to look it up again to quote it. They did that to prevent people from simply buying and holding empty plots.You get them back when you demolish a house, so the people who give up their plot just want to get rid of their build permit. They sell them cheap because there aren't many buyers around.
Don't worry about the being rushed part. The auto-demolish takes over a month to finish and you only need to build a house in time to enter it before the demolish timer runs out. I think it took me a day or two to buy the permit after spending all my gil on the plot.
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