Insert more than one record in a transaction is costly or insert big record

Hi,
I am using Oracle 10g on linux 64 bit
Could anybody tell me that currently my log tables in oracle has 22 columns out of 22, 20 belongs to rate from different lenders like
uuid,app id,lender1,lender2,lender3 .............,lender20
1,123,lender1_rate,lender2_rate,lender3_rate..............
In order to make it more readable and in order to include new lender dynamically we are changing this table to row wise so that we do not need to include new lender column in table
uuid,app,lender
1,123,lender1_rate
1,123,lender2_rate
1,123,lender3_rate
1,123,lender20_rate
but it will create instead of one record, 20 records for each app in a transaction.
Is it costly for insert. If it is then what should be the way.

Hi,
It could be slightly costly to insert.
But it makes my design more flexible and my queries less costly and flexible.
I would use something like this as my columns.
uuid, app, lender_code, lender_rate
Regards
Anurag.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   

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