What is your view on taking up personal loan of 10K for 2.88% 2yrs to have cashflow for renovations & purchase of furniture and appliances? Any suggestion? Would you take loan to ease cashflow?

Nope. Personally I think it's not advisable to take loan for buying furniture.

If necessary, why not. I won't take loan to buy furniture and appliances, usually there is no urgency to buy those thing.

If tight cashflow, will you have the means to repay in future? If not, may be better to save up and buy later if not urgent

No