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Top Adding - No Down Payment or Low Down Payment
Imagine this, you and your spouse find the perfect house for your little family. Its a few minutes from your
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
work place, near a good school, and located in a good community. Unfortunately, ethough you can pay for the m
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
nthly mortgage payments, you just don’t have enough cash on hand to pay for the requisite 20% down payment. W
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
at should you do?
Do you scrounge around until you can raise enough to cover the down payment cost? Do you l
Do you scrounge around until you can raise enough to cover the down payment cost? Do you l
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
t it go? Or do you try to find a way to get the house without having to shell out a large sum of cash as down
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
payment? If you really want the house, and feel that you and your partner make a good enough living to pay t
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
e mortgage - then go for the latter option.
Today, there are financial institutions (both private and govern
Today, there are financial institutions (both private and govern
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
ent funded) who can help you purchase a home even if you don’t have enough to cover the initial down payment
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
equirement. These lenders can shoulder 95% – 100% of the total property cost (meaning, you either give 5% dow
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
n payment or none at all) - a sweet deal for th financially capable yet cash-strapped (at the moment) home bu
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
er.
Alas, this wonderful opportunity does come with a price. If you avail of this program, you should expect
Alas, this wonderful opportunity does come with a price. If you avail of this program, you should expect
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
to be given higher interest rates on your mortgage, make bigger monthly payments, and you may also be asked t
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
purchase what is called a: “private mortgage insurance”. It is a stiff deal, but if you don’t want to spend
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
your life saving just for the down payment, and miss out on the once-in-a-lifetime opportunity to own a reaso
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
ably priced home at an upscale market then this option is worth considering.
If you really don’t want to be
If you really don’t want to be
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
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
ied down to their terms and conditions, you can still purchase the house of your dreams: you just need to com
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
up with the requested down payment amount another way. You can borrow money from your relatives, or cash in
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
on some of your investments. If, however, all else fails, you may just have to let go of the property. Don’t
.
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
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
eel too bad though. There are other houses up on the market. If you look hard enough, you may find one that f
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
ts your personal requirements, as well as your finances to a t. Just be patient, and one day, you’ll find it
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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