Premiums for insurance shall be determined by the Fund from time to time for various programs and types of insurance. Premiums may be set at different levels for different categories of loans and loan programs depending on the risk factors, which may include the: Depth of insurance coverage; Length of loan term; Financial capability of the borrower; Credit rating of the borrower; and Condition and type of collateral securing loan. The Fund shall maintain a publicly available premium rate sheet with a stated effective date for the premiums.