Banking Act (Chapter 19): Primary legislation governing banking institutions and their lending practices in Singapore, defining the legal framework for bank-borrower relationships and loan transactions
MAS Guidelines: Regulatory framework by Monetary Authority of Singapore covering mortgage lending practices, Total Debt Servicing Ratio (TDSR) framework, and Loan-to-Value (LTV) limits
Consumer Protection (Fair Trading) Act: Legislation ensuring fair practices in consumer transactions and protecting borrowers' rights in financial agreements
Residential Property Act: Property law governing residential property transactions and ownership in Singapore
Conveyancing and Law of Property Act: Legislation governing the transfer and mortgaging of property, relevant for property-secured loans
Housing and Development Act: Specific legislation governing HDB properties and related mortgage matters for public housing in Singapore
Contract Act: Framework for contract formation, execution, and termination, including principles for valid contract cancellation
Personal Data Protection Act 2012: Legislation governing the collection, use, and disclosure of personal data, ensuring privacy protection in loan documentation
