Banking Act (Cap. 19): Primary legislation that regulates banking institutions and their lending practices, including provisions on credit facilities and security requirements for mortgage loans
Moneylenders Act (Cap. 188): Regulates money lending practices in Singapore, particularly relevant if the mortgage lender is not a banking institution
Housing and Development Act (Cap. 129): Governs public housing matters including specific requirements for mortgages on HDB properties
Conveyancing and Law of Property Act (Cap. 61): Primary legislation governing real property transactions and mortgages, including legal requirements for creating and enforcing mortgages
MAS Notice 632: Regulatory guidelines on mortgage financing, including Loan-to-Value (LTV) limits and Total Debt Servicing Ratio (TDSR) framework
MAS Notice 645: Specific regulatory requirements for residential property loans in Singapore
Personal Data Protection Act 2012: Legislation governing the collection, use, and disclosure of personal data in mortgage documentation and processing
Consumer Protection (Fair Trading) Act: Legislation ensuring fair lending practices and transparency in mortgage loan agreements
MAS Guidelines: Various directives from the Monetary Authority of Singapore on responsible lending and credit risk management for mortgage loans
