Banking Act (Cap. 19): Primary legislation governing banking institutions and their lending practices in Singapore, including provisions on credit facilities and security arrangements
Moneylenders Act (Cap. 188): Regulates moneylending activities in Singapore, particularly relevant for refinancing involving non-bank lenders
Securities and Futures Act (Cap. 289): Governs securities and financial instruments in Singapore, applicable if refinancing involves these elements
Residential Property Act: Regulates the ownership and transactions of residential property in Singapore
Housing and Development Act: Governs public housing matters and HDB properties in Singapore
Conveyancing and Law of Property Act: Regulates property transactions and real estate matters in Singapore
MAS Notice 645: Monetary Authority of Singapore regulation on Total Debt Servicing Ratio (TDSR) requirements
MAS Notice 632: Monetary Authority of Singapore regulation specifically dealing with residential property loans
MAS Guidelines on Fair Dealing: Guidelines ensuring fair treatment of consumers in financial transactions
Consumer Protection (Fair Trading) Act: Protects consumer interests and ensures fair trading practices in Singapore
Unfair Contract Terms Act: Regulates unfair terms in contracts and protects parties from unreasonable contract provisions
Contract Act (Cap. 53): Fundamental legislation governing contract formation and enforcement in Singapore
Stamp Duties Act: Regulates the imposition of stamp duties on documents and transactions in Singapore
Personal Data Protection Act 2012: Governs the collection, use, and disclosure of personal data in Singapore
