1,This is the bank .We borrowed the money from it
===> This is the bank where we borrowed the money
2 Jack 's car had broken down .He had to take a bus
===> Jack, whose car had broken down, had to take a bus
3 In the middle of the village there is a well .The vilage take water from this well to drink
===> In the middle of the village there is a well from which the villager take water to drink
4 the man is sharing the fflat with me .Do you know him?
===> Do you know the man who is sharing the flat with me. ?