Hajj & Umrah

Using one's children's investment money or taking an interest free loan to go for hajj

Q: 

1. If I am planning to go for hajj and trying to gather funds, can I use the investments I made for my kids towards my hajj? Do I have to repay it when I get back?

2. Can family members (wife/mother) give me money for hajj as an interest free loan to be repaid as I see fit when I return?

Passing the meeqaat with the intention of performing umrah without tying ihraam

Q: 3 weeks ago I came from Pakistan to Riyadh. Now I went from Riyadh to Jeddah to my brothers house but I didn't wear ihram and I didn't take any niyyat for Umrah. I was thinking that I will go for Umrah after 3-4 days. But now my father says that I have to give damm (penalty) because I supposed to go for Umrah first. I am in confusion about this issue.