Banking Act (Cap. 19): Primary legislation that regulates banking institutions and their lending practices, including provisions on credit facilities and security requirements
Moneylenders Act (Cap. 188): Regulates money lending activities and applies to non-bank lenders, setting out requirements for money lending practices and consumer protection
Housing and Development Act (Cap. 129): Key legislation for HDB properties, containing specific provisions about financing public housing flats and related transactions
Residential Property Act (Cap. 274): Governs residential property transactions for private properties, including restrictions on foreign ownership and property financing
MAS Guidelines: Regulatory framework including Total Debt Servicing Ratio (TDSR), Loan-to-Value (LTV) limits, and Mortgage Servicing Ratio (MSR) requirements
Consumer Protection (Fair Trading) Act: Protects consumers against unfair practices and ensures fair trading terms in financial contracts
Unfair Contract Terms Act: Regulates unfair terms in contracts and provides protection against unreasonable contract conditions
Personal Data Protection Act 2012: Governs the collection, use, and disclosure of personal data in loan applications and processing
CPF Rules: Regulations governing the use of Central Provident Fund savings for housing loan payments and property purchases
Stamp Duties Act: Legislation governing stamp duty payments related to property transactions and loan documents
