Several years ago, I bought an apartment that had been privatized on an accelerated basis by taking out a loan at a bank. The house in which I bought the apartment was never privatized and remained in municipal ownership. At this point, I wanted to give the bank a part of the debt, but at the bank I was told that they had to sign a new contract, but they would not sign a new contract with me because my apartment was not registered in the Land Register. But as long as the apartment is mortgaged, I can’t register it in the Land Register. Question: If I now buy an apartment from a bank by borrowing money from my friends, will I be able to register it in the Land Register and get a new loan against that apartment? What are the other options if you do not buy the apartment?