Edition of September 28, 2026: rental proposals and mortgage guarantee fees
Spain: a housing draft proposes a 2% cap on rent adjustments and remains subject to change. US: HUD announces higher upfront Section 184 guarantee fees effective October 1.
Housing proposal would extend leases by two years and cap rent adjustments at 2%
What happened
El País Economía reports on September 28 that the government is proposing to its political partners a ban on evictions of vulnerable people until 2028 and two-year lease extensions. The housing draft, still subject to change, proposes a 2% cap on rent adjustments. The excerpt neither confirms approval nor specifies which contracts would be covered.
How this may affect your property
If adopted and applicable to their lease, a small landlord might need to revise rental income forecasts and plans to regain possession. The proposal should not be treated as an obligation already in force.
What you can do now
- If a rent adjustment is approaching, model the proposed 2% cap as a scenario rather than an approved rule.
- If planning to end a lease or pursue an eviction, check any final approved text and confirm its application to the case before acting.
Source: El País Economía · September 28, 2026
HUD raises upfront Section 184 loan guarantee fees from October
What happened
In a notice published in the Federal Register on September 28, HUD announces that the upfront guarantee fee will rise from 1.00% to 1.50% for all new Section 184 Firm Commitments, including refinances, effective October 1, 2026. For new Skilled Workers Demonstration Program Firm Commitments, the fee will rise from 0% to 1.00%. The annual guarantee fee will remain at zero.
How this may affect your property
A small landlord who is also an eligible borrower could face a higher upfront cost for a new commitment covered by the change. The excerpt does not specify eligibility requirements or establish whether a property intended for rental use can be financed through these programs.
What you can do now
- If considering this financing, confirm with the lender that both you and the intended property use meet the eligibility requirements.
- If a transaction is pending, request written confirmation of the commitment date and applicable fee, including for a refinance.
Source: Federal Register / HUD · September 28, 2026
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