Conveyancing and Law of Property Act (Cap. 61): Primary legislation governing real property transactions and mortgages in Singapore. Contains key provisions on mortgage rights and obligations between parties.
Banking Act (Cap. 19): Regulates banking institutions and mortgage financing activities in Singapore. Sets out provisions on credit facilities and security requirements for mortgage transactions.
Residential Property Act (Cap. 274): Controls and restricts foreign ownership of residential property in Singapore. Critical for determining mortgage arrangements involving foreign buyers.
Moneylenders Act (Cap. 188): Regulates non-bank lending activities in Singapore. Establishes controls on interest rates and lending practices for mortgage transactions involving non-bank lenders.
MAS Notice 632: Regulatory notice imposing restrictions on loan-to-value ratios and minimum cash down payment requirements for property purchases in Singapore.
Total Debt Servicing Ratio (TDSR) Framework: Regulatory framework limiting borrower's total monthly debt obligations and establishing income assessment requirements for mortgage approval.
Consumer Protection (Fair Trading) Act: Legislation ensuring fair dealing and protecting consumers against unfair practices in financial transactions including mortgages.
Stamp Duties Act: Legislation governing stamp duties applicable to mortgage documents and Additional Buyer's Stamp Duty (ABSD) requirements in Singapore.
Personal Data Protection Act: Legislation establishing requirements for handling personal data, including consent and disclosure obligations in mortgage transactions.
