У нас есть своя квартира.

Breakdown of У нас есть своя квартира.

мы
we
квартира
apartment
у
at, by
есть
is, there is, to have
свой
one's own

Questions & Answers about У нас есть своя квартира.

Why do we use своя instead of наша?
In Russian, свой is used to mean "one's own" when the thing belongs to the main person in the sentence. Even though наша means "our", using своя emphasizes that it is "our own" apartment. If you used наша here, it would sound clunky and unnatural to a Russian speaker.
Wait, I learned that свой points back to the subject. But the grammatical subject here is квартира. Does the apartment own itself?
Great question! Grammatically, you are right: квартира is the subject because of the у ... есть construction. However, this structure is a special case. In у нас есть (we have), the word нас (we) is the logical owner. Russian grammar makes an exception here, allowing свой to point back to the logical owner (у нас) instead of the grammatical subject.
Why is it своя and not свой or свою?
Свой acts like an adjective, so it has to match the noun it belongs to in gender, number, and case. Квартира is a feminine noun, and because it is the grammatical subject of the sentence, it is in the Nominative case. Therefore, we need the feminine Nominative form: своя.
Do I have to include своя? Can I just say У нас есть квартира?
You can absolutely just say У нас есть квартира (We have an apartment). Adding своя specifically changes the meaning to "our own apartment". You would use this to emphasize that you actually own the place rather than just renting it, or to contrast your living situation with someone else's.

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