Pruzbul without Land Transfer
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Question
I did not transfer land to the borrowers; is it necessary to do so explicitly? Also, I wanted to ask if an apartment for which I have not completed all the payments and I am living in is sufficient for a pruzbul. Thank you
Answer
Shalom Rav
There is no obligation to transfer land to the borrowers. Since usually every borrower has their own land or land lent for their use, this is sufficient to make a pruzbul.
Also regarding your lenders, the fact that the apartment is available for your use, even if you have partners in ownership, is sufficient to be considered as having land.
Wishing you a blessed year, may all prayers be accepted
Source
Choshen Mishpat, Siman 67