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Contracts Act (Cap. 53): Primary legislation governing contract formation, validity, and enforcement in Singapore. Essential for establishing the basic legal framework of the promissory note.

Money-lenders Act (Cap. 188): Regulates money lending activities and interest rates in Singapore. Critical for ensuring compliance with maximum interest rate provisions and lending requirements.

Property Law Act (Cap. 242): Governs real property transactions and security interests. Relevant when the promissory note is secured by real property.

Civil Law Act (Cap. 43): Contains provisions affecting civil obligations and remedies, including rules about interest rates and enforcement of contractual rights.

MAS Guidelines: Monetary Authority of Singapore regulatory guidelines that may affect owner financing arrangements and related financial transactions.

Securities and Futures Act (Cap. 289): May be relevant if the promissory note could be classified as a security instrument under Singapore law.

Stamp Duties Act: Governs the stamp duty requirements for legal documents, including promissory notes and security instruments.

Consumer Protection (Fair Trading) Act: Ensures fair trading practices and consumer protection, particularly relevant if the owner financing involves a consumer transaction.

Unfair Contract Terms Act: Regulates unfair terms in contracts, ensuring balance and fairness in the promissory note terms.

Limitation Act: Sets time limits for legal actions and enforcement of contractual rights under the promissory note.