Thank you guys for your replies and advice. 3 things I have learnt after reading all replies:
1. Nobody in this forum ever used loans backed by BTC and never wanted to.
2. My investment strategy is bad, because I believe too much in BTC and don't have savings for 3-5 months that can cover my emergency needs.
3. I shouldn't do vacation if I don't have spare funds.
That's pretty fare. I take it. Thank you, but I don't believe nobody ever used loans backed by crypto in this forum, please reach out...
#3 is critical if you want to remain in bitcoin. There were plenty of people who did similar things. Coinbase used to offer it for example, and another place is ending it shortly although I am not sure which one. The key is that if you don't have the private keys, you don't have the coins so I'd advise against it and that is why I never did it.