However I want a small loan in USDT to repay it ideally in 6 or 12 months for renovating my house.
Don't do this - house prices are going to plummet in a few months across the world and you will never recoup that investment.
In your opinion, where would it be better to spend the
donated loan money?

Hey. I am ready to give you a small loan in bitcoins if you provide me with a photo of the documents. My telegram- @g_nar
It seems that we have a new loan category: 'no-collateral newbie to newbie (with a small surprise)'! LOL