... you are a tenant and do not wish to block your budget for your new home with a large deposit.
… you are planning to buy new furniture and need the money for this.
... you move frequently and wish to retain your financial flexibility.
...your rental property is located in Switzerland or the Principality of Liechtenstein.
... you are the owner of the apartment or house.
... you can forego the sum in question without overburdening your savings.