Banking Act (Cap. 19): Primary legislation governing banking institutions and their operations in Singapore, including mortgage lending activities
Monetary Authority of Singapore (MAS) Act: Establishes the regulatory framework for financial institutions and their supervision by MAS
Financial Advisers Act: Regulates financial advisory services, including mortgage advice and recommendations
Housing and Development Act: Governs public housing in Singapore and related mortgage arrangements, particularly for HDB properties
Residential Property Act: Regulates residential property ownership and related transactions in Singapore
Conveyancing and Law of Property Act: Governs the transfer of property rights and mortgage security interests
Consumer Protection (Fair Trading) Act: Protects consumers against unfair practices in lending and ensures fair contract terms
Unfair Contract Terms Act: Controls the use of unfair terms in contracts, including loan agreements
Personal Data Protection Act (PDPA): Governs the collection, use, and disclosure of personal data in loan applications and processing
MAS Notice 632: Specific regulations regarding residential property loans and lending practices
MAS Notice 645: Framework for Total Debt Servicing Ratio (TDSR) requirements in property loans
MAS Notice 1106: Stipulates maximum Loan-to-Value ratios and loan tenure restrictions for property loans
Credit Bureau Singapore Regulations: Guidelines for credit reporting and checking in loan application processes
