@oddexperience There’s a lot of “it depends” in there.
How much does it put your monthly cash flow negative. How tight are other areas of your budget, are there other areas you could save some money, cancelling subscriptions you don’t, or rarely use. Could you save some money on groceries etc. could you get rid of, or get a cheaper car.
The other aspect is what is your trajectory at work, do you expect your pay might increase in the medium term, either annual pay rises or promotions etc.
And what happens if interest rates go up in another 6 months? How screwed are you then?