I（ ）this three-room apartment wi

I（ ）this three-room apartment without the money I borrowed from the bank.

needn’t have bought

mustn’t have bought

shouldn’t have bought

couldn’t have bought

情态动词的过去否定式中mustn't have done不存在，排除B。没有从银行借钱就买不起，买不买得起是一种能力could，不是need需要或者should应该（义务）。选D。句意：如果我没有从银行借钱，我就买不起这套有三个卧室的公寓。