If you have access to a two year interest free loan, then why not use that money to build something that could not only repay the loan early (and maybe get you access to more funds) but also sustain an income for you.
Speculating in bitcoin or currencies or anything else you don't have an expert knowledge of the market in is not smart. No matter how quick you respond to price changes you will always be behind the people changing the prices without knowing which way it will go next.
