Housing and Development Act (Chapter 129): Primary legislation governing public housing in Singapore, including HDB properties and public housing mortgages. Critical for mortgages involving HDB properties.
Conveyancing and Law of Property Act (Chapter 61): Core legislation governing real property transactions in Singapore, including specific provisions on mortgages and charges on property.
Land Titles Act (Chapter 157): Legislation governing the registration of land titles, mortgage registration processes, and establishing the principle of indefeasibility of title.
Banking Act (Chapter 19): Regulates financial institutions providing mortgages and contains key provisions regarding credit facilities and lending practices.
Moneylenders Act (Chapter 188): Relevant legislation when the mortgage is provided by a licensed moneylender rather than a bank or financial institution.
Consumer Protection (Fair Trading) Act: Ensures fair practices in consumer transactions, including mortgage agreements, protecting borrowers' rights.
Residential Property Act: Legislation particularly relevant for foreign buyers seeking to purchase and mortgage residential property in Singapore.
Central Provident Fund Act: Governs the use of CPF funds in property purchases and mortgages, including rules on CPF usage for down payments and monthly instalments.
MAS Guidelines on Mortgage Lending: Regulatory guidelines establishing Total Debt Servicing Ratio (TDSR) framework, Loan-to-Value (LTV) limits, and minimum cash down payment requirements.
Singapore Law Society's Conveyancing Rules: Professional guidelines establishing standard contractual provisions and professional requirements for mortgage documentation and processing.
