Top Adding - Real Estate

Real estate in California is generally a hot topic of discussion. People come to California for the weather and then want to s

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

tay and need to purchase a home. As we approach the summer of 2007 we find ourselves with the unenviable dilemma of looming fo

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

Examples of combination products may in

eclosures on some of these homes.

It is not only the newcomers to California who will find themselves in this position, but a

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

ll of the homebuyers who purchased homes in the last two or three years with little or no down payment and an adjustable rate

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

ortgage. Delinquency on these loans is increasing, even though the rates are lower than for the United States as a whole. Many

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

Combination pro

of these borrowers were either self-employed or had poor credit. Poor credit is defined as someone having a FICO score of les

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

than 620.

These loans are termed sub-prime and have been the target of consumer protection groups who see the next two years

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

as crucial for the survival of these loans. Although the California housing market appears to have stabilized, people are now

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

looking at these loans to see what effect, if any, they will have on the overall real estate market. Sub-prime loans have grow

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 in the past few years so that currently they account for about 15% of all home loans made in California.

The problem arises

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

when these loans reset from their original low interest rates to fully indexed rates. This happens after one or two years, dep

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

Following aspects would a

ending on how the original loan was written. Many of those who took out these loans in order to be able to purchase their home

dd to the challenges in developing combination products:

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

initially will find themselves in a difficult spot. When the loans reset the payments increase significantly and borrowers may

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

not be able to make these larger payments easily.

The economy and job growth in California has continued to grow, but that m

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

y not be enough for some borrowers. Lenders will work with those unable to make the larger payments by offering several differ

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

ent options because foreclosure is costly for them and for all parties concerned.

This will be the first time that the market

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

Professional from academic institutions, pharmaceutical industries, health care indust

has dealt with the possible default or foreclosure of homes due to sub-prime lending to marginally qualified buyers. Whatever

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

happens during the next two years will be indicative of how loans will be underwritten and what qualifications will be require

.

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

before buyers are able to purchase homes with little or no down payment.

Lessons will be learned during this time that will

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

Companies that provide selfless information through particip

enable the lenders to take whatever action is deemed necessary and prudent to avoid problems like these to occur in the future

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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