whats the max # of years to get to pay off a personal loan?

i want to buy a home, but i can only get a loan for the amount of home, but we need 10,000 to buy refrig.,furniture,etc. but don’t want a 5 year loan to pay off $ 10,000 because then
we’d probably be paying the same monthly amount as our mortgage payment and we can’t afford that. any advice?

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