Encyclopaedia - Finance

Most of us fall in love with a car at a dealership and that’s the end of the story. Hey, where do I sign? Even if we do a great job of chipping away at the sticker price and feel pretty da

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

rn good about ourselves, we often get burned on the financing end of things. This is especially the case for people trying to score an auto loan with some bad marks on their credit report.

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

Examples of combination products may in

Many times, these people are so surprised to hear that their auto loan has been approved that they sign on the dotted line before the dealer has a chance to change his mind! Only later do

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

hey realize just how poor they will be for the next 5 years because of the interest rate on that auto loan.

What are my financing options?

See, now you’re thinking! Impatience will cost y

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

ou in the auto loan game - every single time. Potential auto loan sources include: a traditional bank, a credit union, financing through the dealership, and the newest darling on the scene

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

Combination pro

online auto loans.

OK, so what is the best option?

Well now, this all depends. How does your credit history look? If you have a mortgage and checking account with a traditional bank, th

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

en they will probably give you a great rate on your auto loan. The dealership will often find an auto loan for people with a poor credit history - but the cost of driving that car off the

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

lot could eventually lead to even worse credit, when they have the car repossessed because they can’t afford the payments. The best place to shop around for the best rates on an auto loan i

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

definitely online.

Uggh! I hate that stupid Internet! It takes me forever to find what I am looking for!

Oh come now - how long can it take to type “auto loan” into Google? If you don’

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

t care about possibly paying thousands of dollars more in interest by letting the dealership “help you out” with financing, then by all means go that route. But, for people that want the be

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

t rate possible on their auto loan, the Internet is the place to start the search.

But how do I know that I can trust those Internet people with my financial info?

Very good point - and th

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

Following aspects would a

at is definitely something to consider. To begin with, many traditional banks offer online auto loan applications as a service to their customers, which also saves the bank processing costs

dd to the challenges in developing combination products:

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

. You can apply for Chase Manhattan auto loans online or down at one of their branches. In many cases you will find that banks offer these online loans at a smaller APR than you can get by

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

actually going down to a branch. Chase Manhattan auto loans is one example of this, but many financial institutions offer their online customers a better rate.

Now why would they do that?

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

Not too trusting, are you? Hey, that is a great trait to have when shopping for auto loans - don’t forget it! What you are looking for is the catch, and here it is: In most cases, you wil

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

get a lower rate on your online auto loan because you will be required to sign up for automatic electronic payments. Plus, seeing a loan officer at the branch takes up the time of employee

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

Professional from academic institutions, pharmaceutical industries, health care indust

s, and uses other resources that aren’t needed when you submit your application online. But remember, not all institutions offer lower rates like Chase Manhattan auto loans. And even Chase

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

requires you to sign up for automated payments in order to get a break on the rate.

And what else should I know?

At the very least, shop around for rates on auto loans using the Internet

.

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

efore talking with the traditional institutions, such as bank branches or dealerships. Just knowing what kind of interest rate you can get on an auto loan can help you when you are down at

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

Companies that provide selfless information through particip

the dealership drooling over that hot new car! Remember, knowledge is power - so don’t just walk into a dealership without knowing what kind of interest rate you can expect for an auto loan

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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