Banking Act (Cap. 19): Primary legislation governing banking institutions and their operations in Singapore, including mortgage lending activities
Moneylenders Act (Cap. 188): Regulates money lending activities in Singapore, including restrictions and requirements for loans
Monetary Authority of Singapore Act (Cap. 186): Establishes MAS's authority to regulate financial institutions and issue guidelines on mortgage financing
Housing and Development Act (Cap. 129): Governs public housing in Singapore, including HDB property financing rules and restrictions
Consumer Protection (Fair Trading) Act (Cap. 52A): Ensures fair trading practices and consumer protection in financial transactions including home loans
Residential Property Act (Cap. 274): Regulates the purchase and ownership of residential properties in Singapore
MAS Notice 632: Regulatory notice on residential property loans, specifying requirements for banks and financial institutions
MAS Notice 645: Guidelines on Total Debt Servicing Ratio (TDSR) framework limiting total debt obligations to 55% of gross monthly income
MAS Notice 825: Specific guidelines on mortgage financing including loan-to-value limits and minimum cash down payment requirements
MAS Guidelines on Fair Dealing: Guidelines ensuring fair treatment of consumers in financial transactions including home loan agreements
Loan-to-Value (LTV) Requirements: Limits on the maximum loan amount relative to property value, varying based on loan number and borrower profile
Mortgage Servicing Ratio (MSR): 30% limit on the portion of a borrower's gross monthly income that can go towards repaying all property loans for HDB flats
HDB Loan Eligibility: Specific conditions and requirements for obtaining HDB loans, including citizenship and income ceiling requirements
CPF Usage Guidelines: Regulations governing the use of Central Provident Fund savings for property purchase and loan repayment
