It is not permissible for a goldsmith to make gold rings to be worn by men. Selling gold rings to men is prohibited if the seller knows that the buyer is going to wear it or he thinks it most likely that he will wear it.

No one should take out a loan in order to do Hajj and it is not recommended to do that, but if a person goes against that ruling and takes out a loan, his Hajj is still valid, in sha Allah.