Housing and Development Act (Chapter 129): Primary legislation governing public housing and development in Singapore, crucial for HDB properties and related loan agreements
Banking Act (Chapter 19): Regulates banking institutions and their operations in Singapore, including mortgage and loan services
Moneylenders Act (Chapter 188): Regulates money lending activities and provides consumer protection in loan transactions
Residential Property Act (Chapter 274): Governs the ownership and transaction of residential properties in Singapore
Consumer Protection (Fair Trading) Act (Chapter 52A): Protects consumers' interests and ensures fair trading practices in financial transactions
Building Control Act (Chapter 29): Regulates building works and ensures compliance with safety and construction standards
Building Maintenance and Strata Management Act (Chapter 30C): Governs the management and maintenance of strata properties and common facilities
Planning Act (Chapter 232): Controls land use and development in Singapore
MAS Guidelines on Residential Property Loans: Regulatory guidelines from Monetary Authority of Singapore specifying requirements for property loans
Total Debt Servicing Ratio (TDSR) Framework: MAS framework limiting the portion of gross monthly income that can go towards repaying all debt obligations
Mortgage Servicing Ratio (MSR) Requirements: Limits the portion of gross monthly income that can be used to service mortgage payments for HDB flats
Contract Law (Common Law): General principles of contract law based on common law system applicable in Singapore
Misrepresentation Act (Chapter 390): Provides remedies for misrepresentation in contract formation and execution
Unfair Contract Terms Act (Chapter 396): Restricts the extent to which civil liability for breach of contract can be avoided through contract terms
HDB Regulations and Guidelines: Specific rules and requirements for HDB property transactions and related loan agreements
CPF Usage Rules for Housing: Regulations governing the use of Central Provident Fund savings for housing purchases and loan payments
