Top Adding - Real Estate

There has been a major change in attitudes towards Commercial properties both from lenders and Investors in recent times. The major high st

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

reet lenders who would have normally considered lending on Commercial property have in the past restricted lending to a maximum of 75% loan

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

Examples of combination products may in

to value or purchase price which ever is the lower. There are exceptions but this has been the general rule. Until recent times investors h

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

ve not had the opportunity to invest in Commercial property except via stocks and shares in the holding company. Some of the major unit tru

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 providers have seen the gap in the market and have now launched unit trust funds which pacifically invest in Commercial property.

This i

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

Combination pro

seen as a fairly low to medium risk investment where the growth in the fund reflects the rise in rental income following the rent reviews

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

hich take place normally every three or five years together with a revaluation of the property. Most new leases do not allow for the rent t

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

do anything but go up on review. This gives a comfort zone for investors and has this produced a new breed of lenders who have taken the C

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

mmercial market by storm. We now have a range of specialist lenders who are prepared to lend on the bricks and mortar value, up to 85% in s

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

me cases, and not to go into great depth into how the client will repay this. This new style of lending has been styled Self certification

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

f income, and allows the client to seek professional advise sensibly via an Independent Financial Advisor who can guide the client as to ho

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

Following aspects would a

the case should be presented to the lender taking into account all the sources of income available and taking a realistic view of how the

dd to the challenges in developing combination products:

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

usiness will perform.

An Independent Financial Advisor has a duty of care to the client and should not be looking to place the client in a

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

position where the repayments of the proposed loan are outside what the client can afford. The new self certification schemes are not there

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

to be abused but allow a degree of flexibility and do not require the client to prove his income but to make an informed forecast of future

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

growth. Advice should always be sort when looking at these schemes and clients should take a little extra care looking at the penalties for

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

Professional from academic institutions, pharmaceutical industries, health care indust

early repayment. The specialist lender does not expect the client to stay long term with the Bank and allows for the fact that once the cli

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

nts business is showing strong cash flow and accounts reflecting this they will leave for a high street lender who will offer better terms

.

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

f lending. However the new lenders have created a new breed of entrepreneurs who would not have been able to start up in business or expand

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

Companies that provide selfless information through particip

their existing businesses with out the foresight of the new specialist lenders who have brought a breath of fresh air into the market place

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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