RE: Take A Deep Breath And Move On
There are always unexpected costs involved with such projects as yours. Selling your current home is a bold move: where would you live (or is there living space ready in your new place?).
I don't know about not going to the bank - interest rates are at an all-time low and likely remain so. You would have to calculate if the future increase in property value of your present home would not more than just offset the interest on a bank loan. It might be advisable to consult a financial consultant. I sense there is some urgency to get your financial house in order, but think it through: if you need money now, selling your current home might take some time, and if you are pressed financially, you might just sell under value just so you get the money you need right now.
Being in a urgent situation you may not make the best deal selling your current home.
Additional observation:
Do you have a place to live if and when you sell your home?
If so, could you not just keep your current home and rent it out, with the rental income covering payments for a bank loan for the money you need for your vineyard project?
Yes, that was my first thought, take a long life m credit and rent out my house but then it will take me too long to pay back, who knows what will happen in the future.
I just want to be a free man without the title “LohnSklaven”
I got investments and property in Canada, but I also have a open-ended loan agreement with my Canadian bank from which I can draw up to a certain amount at any time (that would be covered by my house) should a emergency arise. I don't use it much, but it is available should I need it. Same with credit cards - I got high limit, but rarely use it except for convenience, and then I pay it off in full every month. Interest rates on credit cards are way too high, but mortgages can be had at a decent low rate, and if one income (from renting out) pays your mortgage, then you won't be a "wage slave" (wrong term used here, see below*), i.e. you bee leveraging your investments. Bottom line: the cost of money you borrow should be lower than the income (rent) you can generate from it. In my area in Canada where I lived I had known several people who own dozens of houses, which they bought with a minimum down payment and then rented out, usually for more than twice of their mortgage payments. Eventually, the mortgage is paid off, but the property is still yours, free and clear, and you make even more money from it.
A example of a bad way of borrowing money is if you buy a luxury car that will depreciate in value faster than paying off your loan. Been there too and learned my lesson from it.
*definition of wage slave: "a person who is wholly dependent on income from employment, typically employment of an arduous or menial nature."