The Housing Financing Fund (HFF) has, as a result of an HFF bond auction, decided to leave interest rates on housing loans including a prepayment clause unchanged at 4.9% and 5.4% on loans excluding such a clause. HFF's interest rate decision is based on an HFF bond auction yield of March 6th, in addition to financing costs of HFF mortgages prepayments. The weighted interest rate at the auction and for prepaid HFF mortgages is 4.47%. The interest rate premium for operations is 0.25%, the credit risk premium 0.20% and the prepayment risk premium 0.50%. Pursuant to paragraph 3, Article 21 of the Housing Act No. 44/1998, including subsequent amendments, and Article 14 of Regulation No. 522/2004, on HFF mortgages and HFF bonds, the Board of HFF sets the interest rate on HFF mortgages with regards to financing costs of regular HFF bond auctions on the one hand and on financing costs of prepaid loans on the other, in addition to an interest premium.