Housing and Development Act (Chapter 129): Primary legislation governing HDB properties, including regulations on mortgage of HDB properties and ownership restrictions. Critical for public housing mortgages.
Conveyancing and Law of Property Act (Chapter 61): Fundamental legislation governing property transactions, mortgage creation and enforcement, and legal rights of mortgagors and mortgagees in Singapore.
Banking Act (Chapter 19): Regulates financial institutions and banking operations, including requirements for mortgage financing and related banking services.
MAS Guidelines: Monetary Authority of Singapore guidelines covering Total Debt Servicing Ratio (TDSR) framework, Loan-to-Value (LTV) limits, and mortgage financing rules.
Personal Data Protection Act 2012: Legislation governing the collection, use, and disclosure of personal data, including requirements for consent in mortgage-related documentation.
Residential Property Act (Chapter 274): Regulates foreign ownership of residential properties in Singapore, particularly relevant for private residential mortgages.
Legal Profession Act (Chapter 161): Governs legal documentation requirements and the role of lawyers in mortgage transactions.
CPF Rules: Central Provident Fund regulations regarding the use of CPF funds for property purchases and mortgages.
Stamp Duties Act: Legislation governing stamp duties applicable to property transactions and mortgage documents.
Power of Attorney Act: Regulates the creation and use of powers of attorney, relevant when authorization involves appointing an attorney for mortgage matters.
