Encyclopaedia - Finance

When my wife and I discovered that she was pregnant we became frantic. Where we lived at the time wasn't exactly the size required for a young family! We needed a start

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

er home; a place for our child to grow up. We wanted to buy somewhere that wasn't too big but equally allowed us the space to have a room for our child when she was bor

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

.

Getting a mortgage was going to prove difficult as both my wife and I already had bad credit records as a result of student debt and a couple of missed payments. A f

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

riend suggested we try to looking into homeowner loans to allow us to get a foot on the property ladder.

The Collateral

One of the terms of a secure

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

loan is that in order for the lender to process the application, you would have to offer something up as collateral, usually something of equal or more value than that

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

of the actual loan. We were getting a loan for ?45,000; unfortunately, there was nothing we owned that was worth that much. We were at a loss to find something either o

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ne of us possessed that would even come close. Fortunately, my wife's parents were gracious enough to allow us to use their home as security for the loan. Before the ho

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

se could even be considered as collateral the bank had to send out property valuers to confirm the market value. Fortunately, the house was valued at over ?300,000, wel

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

l over the amount of equity needed for the secured loan. In addition, my wife's parents had no mortgage or loans themselves secured against this property.

Once the hou

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

e was valued and written in as appropriate collateral for the loan, we entered the credit check phase of the loan process. Remember, this is where my wife and I had som

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

serious problems; neither one of us expected to be able to walk away with the loan money. Thank goodness that the person reviewing our application was willing to work

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

with us in getting our credit reports cleared up. He made a list of all the debtors that my wife and I had to contact to clear up some of the financial problems. After

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

week of discussions, some pleading and promises of prompt payments upon the receipt of the secured loan, we were finally able to sign the completed application and wai

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

t for final approval.

The Payout

Once the papers for the secured loan were signed and processed, the money was deposited straight into our bank accou

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

t. We paid off our creditors as we had committed to and the remainder of the money went towards purchasing a nice 2 bedroom mobile home. A mobile home wasn't exactly wh

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

t either of us had imagined as our first home, but it was still a lovely feeling walking through the door of own home for the first time rather than renting some dingy

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

flat.

We had a home to call our own, a place to raise out daughter and a place we could decorate as we saw fit. The feeling of freedom and accomplishment was overwhelm

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ng. Taking the chance on a secured loan was a good idea and one that brought us home!

Derek Rogers represents

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

Accepted, a UK based secured loans site.

WARNING: THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOM

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. LOANS ARE SECURED ON YOUR HOME. 9.9% APR TYPICAL VARIABLE

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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