When you take a loan of this nature, you do not disrupt your savings but adjust new expenditure in your monthly cash outflow. Hence, the bulk amount is saved for other purpose. Apart from this, when you shift there are many other expenditures that goes in settling into new environment as well.
Also, by taking Rental Deposit Loan, you can take bigger apartment, or in better locality – in other words, select a house of your dream and not limiting yourself on finance.