Why would a loaded firearm be in any apartment?
At the range, we instruct people to carry a firearm from the rack to the mound, by the barrel.
In the field I keep it on the shoulder, magsafe. When needed its quickly grabbed by the barrel, and round to the shoulder, in an easy move.
Some people chamber check their rounds for reloads, magazine checks, etc. After all, firearm shooting in NZ isn't limited to just hunters, or at a range under RO instruction.
It's perfectly legal to load a firearm at home, it's just that stupid things happen to stupid people, so the idea is to educate people from the very beginning and think safe.
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