Banking Act (Chapter 19): Primary legislation governing banking institutions and their operations in Singapore, including regulations on housing loans and banking practices

Moneylenders Act (Chapter 188): Regulates money lending activities in Singapore, including requirements for licensed moneylenders and loan conditions

Monetary Authority of Singapore Act (Chapter 186): Establishes MAS's authority to regulate financial institutions and issue guidelines on property loans

Housing and Development Act: Governs public housing (HDB) matters including regulations on HDB property financing and ownership

MAS Notice 632: Specific guidelines on residential property loans, including restrictions and requirements for banks

MAS Notice 645: Framework for Total Debt Servicing Ratio (TDSR), limiting borrowers' maximum loan amounts based on income

MAS Notice 825: Regulations concerning mortgage equity withdrawal loans and refinancing options

MAS Guidelines on Fair Dealing: Guidelines ensuring fair treatment of consumers in financial products and services

Residential Property Act: Regulates the purchase and ownership of residential properties in Singapore, particularly by foreigners

Housing Developers Act: Controls and licenses housing developers, protecting buyers' interests in property transactions

Property Tax Act: Governs property taxation which affects overall home ownership costs and loan considerations

Consumer Protection (Fair Trading) Act: Protects consumers' interests in transactions, including financial services and property purchases

Personal Data Protection Act 2012: Governs the collection, use, and disclosure of personal data in loan applications and processing

Loan-to-Value (LTV) Requirements: Regulatory limits on the maximum loan amount relative to property value, affecting down payment requirements

Mortgage Servicing Ratio (MSR): Specific requirement for HDB flats limiting monthly mortgage payments to 30% of borrower's gross monthly income