Apartments here are almost always unfurnished, down to no light fixings and sometimes no kitchen, just the pipe connections and stuff!
The vast majority here rent, for historical reasons (WWII being a big factor) so when you rent is almost like a soft purchase. Renting is a big commitment and you usually pay 3 months deposit, plus another 2 months as a one off fee to the agent, for the trouble of unlocking the door for you and showing you an apartment.
I only paid the deposit, as it's an affordable housing building and fees aren't required.
Still a load of money to spend in one go, especially when you need to buy al;l new furniture.
I had basically nothing, as before I was in temp accomodation in a student type "apartmemt" 12 square metres!