I think buying btc bellow 25,000$ is ok for everyone . i bought btc at the price of 20k usd and already some weeks ago and i bought it by borrowing money from bank . i believe bitcoin will hit 100k usd in the coming years .
If the source of your funds is from the bank and you are able to pay off the loan, it will not be a problem. but is it worth the return, because if you are not ready for it and the price suddenly drops below $20k you will get some reduction in the value of the bitcoin. I also believe bitcoin can reach 100k in the coming year, but are you strong enough to hold it in the long term and are you going to add to your assets again by borrowing money from the bank again?