Banking Act (Chapter 19): Primary legislation that regulates banking business and financial institutions in Singapore, setting out core requirements for banks offering mortgage loans
MAS Guidelines - TDSR Framework: Monetary Authority of Singapore guidelines establishing the Total Debt Servicing Ratio framework, which limits the portion of income that can go towards debt repayments
MAS Guidelines - LTV Limits: Monetary Authority of Singapore guidelines setting Loan-to-Value limits that determine the maximum loan amount relative to property value
MAS Guidelines - MSR Requirements: Monetary Authority of Singapore guidelines on Mortgage Servicing Ratio requirements specifically for HDB flats
HDB Rules: Housing and Development Board regulations governing housing loans, eligibility criteria, and specific requirements for HDB properties
Money Lenders Act: Legislation governing non-bank lenders offering mortgage loans in Singapore
Consumer Protection (Fair Trading) Act: Legislation ensuring fair dealing requirements and proper disclosure obligations in consumer transactions including mortgage loans
Personal Data Protection Act 2012: Law governing the collection, use, and disclosure of personal data, including consent requirements for data handling in loan applications
AML/CFT Requirements: Anti-Money Laundering and Countering the Financing of Terrorism requirements including customer due diligence and reporting obligations for financial institutions
