Conveyancing and Law of Property Act (Cap. 61): Primary legislation governing real property transactions and mortgages in Singapore. Establishes requirements for valid mortgages and defines rights and obligations of mortgagors and mortgagees.
Land Titles Act (Cap. 157): Regulates registered land dealings in Singapore, including requirements for mortgage registration and priority rules for competing interests.
Banking Act (Cap. 19): Regulates mortgage financing by banks and sets out requirements for financial institutions in Singapore.
Housing and Development Act (Cap. 129): Contains specific provisions for HDB properties and restrictions on mortgaging HDB flats in Singapore.
Moneylenders Act (Cap. 188): Applicable when the mortgagee is a licensed moneylender, regulating money lending practices in Singapore.
Consumer Protection (Fair Trading) Act: Ensures fair practices in consumer transactions, including mortgage-related consumer protection measures.
Residential Property Act: Governs restrictions on foreign ownership of residential property in Singapore.
MAS Guidelines: Regulatory guidelines from Monetary Authority of Singapore including Total Debt Servicing Ratio (TDSR) framework and Loan-to-Value (LTV) limits.
