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Worst kind of debt. First is Credit Card debt. Second is Personal Loan. Of course Ah Long's debt is another story.
I calculate your scenario. Loan 80K x 7% over 4 years = 2,133 monthly installment for 4 years. If you can afford to pay that amount every month, you might as well buy 1 Lot ( 1000 shares ) every 4 months ! .. No need taking that personal loan !
in 2020 I take personal loan to buy dividend stock. I choose 3 year tenure and flat rate is 3.48% from stanchart. early settlement penalty is 2 month interest only. some offer 12 month 0% interest for new to bank. worth to take