the apartment that i wanted to buy don't have strata title
the dev already winding up
currently managed by their own JMB

since the strata title is null, bank do not want to give loan
should i ask JMB to apply strata for that particular parcel only?
is that under JMB reponsibility to make sure all unit got strata title?
if JMB refuse, is it possible for me to apply the strata for current apartment on behalf of the owner?
the owner is old already, do not care much about all those strata, just want to sell the house

i cannot afford to fork out cash to buy the house
and i do not want to buy house with out strata too