Is Taking a Loan Permissible in Islam for a Home?

There are two things in your question, the answers to both are below.

1. Yes, it is permissible to keep savings in gold, provided Zakah is paid when it becomes due.

Evidence:

يَا أَيُّهَا الَّذِينَ آمَنُوا إِنَّ كَثِيرًا مِّنَ الْأَحْبَارِ وَالرُّهْبَانِ لَيَأْكُلُونَ أَمْوَالَ النَّاسِ بِالْبَاطِلِ وَيَصُدُّونَ عَن سَبِيلِ اللَّهِ ۗ وَالَّذِينَ يَكْنِزُونَ الذَّهَبَ وَالْفِضَّةَ وَلَا يُنفِقُونَهَا فِي سَبِيلِ اللَّهِ فَبَشِّرْهُم بِعَذَابٍ أَلِيمٍ 

“Those who hoard gold and silver and do not spend it in the way of Allah…”

(Qur’an 9:34)

2. Yes, it is permissible if the home financing is genuinely Shariah-compliant and free from interest (riba).

Evidence:

وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا

“Allah has permitted trade and forbidden interest.”

(Qur’an 2:275)

A person is not required to sell his assets before fulfilling basic needs through lawful means.