Banking Act (Cap. 19): Primary legislation governing banking institutions and their operations in Singapore, including housing loan provisions
MAS Act: Establishes the regulatory framework under which the Monetary Authority of Singapore operates and supervises financial institutions
MAS Notice 632: Specific regulations on residential property loans, including requirements for credit assessment and loan limits
Housing and Development Act: Governs public housing in Singapore, including regulations on HDB properties and related financing
Residential Property Act: Regulates the ownership of residential properties by foreign persons and companies in Singapore
Executive Condominium Housing Scheme Act: Specific regulations governing executive condominiums, including financing and ownership restrictions
Building Control Act: Regulates the construction and maintenance of buildings, affecting property valuation and loan considerations
Consumer Protection (Fair Trading) Act: Protects consumers against unfair practices and ensures fair trading terms in financial agreements
Unfair Contract Terms Act: Controls the use of unfair terms in contracts and ensures reasonable terms in loan agreements
Personal Data Protection Act: Governs the collection, use, and disclosure of personal data in loan applications and processing
Total Debt Servicing Ratio Framework: MAS requirement limiting the portion of gross monthly income that can go towards repaying all debt obligations
Loan-to-Value Limits: Regulations specifying the maximum loan amount relative to the property's value
Mortgage Servicing Ratio Requirements: Limits for public housing loans, restricting monthly mortgage payments to a percentage of income
MAS Guidelines on Fair Dealing: Principles ensuring financial institutions deal fairly with consumers in loan provisions
Code of Consumer Banking Practice: Industry standards for good banking practices in consumer relationships and loan agreements
MAS Guidelines on Responsible Financing: Guidelines ensuring banks practice responsible lending and consider borrowers' long-term interests
HDB Loan Regulations: Specific rules governing HDB housing loans, including eligibility criteria and loan conditions
CPF Usage Rules: Regulations on the use of Central Provident Fund savings for housing loan payments
HDB Resale Regulations: Rules affecting the resale of HDB properties and associated financing considerations
