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Here are some of the general guidelines of how you can qualify for a mortgage loan:

1. If you have filed for bankruptcy, you should wait for at least 2 years since your final discharg

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

e date.

2. If you have had an foreclosures, there should have been at least 3 years since the foreclosure had been finalized.

3. You should have had no late payments with your previo

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

Examples of combination products may in

s credits for at least one year (12 months). But if you have had a great credit record for several years and you had some little occasions of late payment, your application might still

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

be considered. Usually, lenders watch out for late payments that are 30 days behind or more.

4. Your rental payment history might also be checked. You should have punctual payments f

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

r at least, the last 2 years to prove that you pay on time.

5. Usually you might get disqualified for a mortgage loan if the government has guaranteed your student loan to be default.

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

Combination pro

However, there are cases the disqualification may be lifted provided that you have renegotiated your repayment schedule for the loan and you have made punctual payments again for the

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

ast year.

6. All of your account that is in a collection status should be repaid prior to the application for the mortgage loan.

7. Judgments ordered by the court should already have

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

been paid in full. Those cases that involve child support should have payments that are current and caught up.

8. If you are self-employed or your income is based on commission, you

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

ould usually need to have been receiving a steady income from that source for at least two years in such a way that the lender would be able to account for your average income. There m

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

ay be some exempted cases, however.

9. Lenders would usually only account for bonus or overtime pay as part of the “qualifying” source of income if you have had a history of bonus or

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

vertime pay from your present employer for at least a year or two. Your employer should verify how much overtime hours you have served or how much bonus income you would be getting for

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

Following aspects would a

such sources of income to be considered.

10. If you have two jobs, your secondary income may usually be counted as part of the qualifying income when you have had a continued history

dd to the challenges in developing combination products:

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

of earning from both jobs in the past two years, otherwise, only one job may be included in the qualifying income.

11. If you have been receiving income through child support, you sho

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

uld have been receiving income consistently. You would be required to submit a history of the payments made for the child support. Usually, if your child support status has just been a

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

arded recently, it might not be considered as a qualifying source of income.

12. If you are currently being sued, or if you are currently involved in any legal matter such as an ongoi

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

ng divorce suit, you might have to wait until the lawsuit becomes settled before you could apply for a mortgage loan.

What is the point of these qualifications?

Lenders carefully scr

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

Professional from academic institutions, pharmaceutical industries, health care indust

tinize your qualifications in order to ascertain how much the maximum amount of money you could afford to pay them ever month. They do so by fitting your information into certain formu

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

las that give fairly accurate predictions. Should these predictions prove that you can afford to pay the monthly dues that will be stipulated by the loan, you are most likely to be gra

.

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

ted the mortgage loan.

The importance of having a clean or at least a decent record cannot be over stressed when it comes to getting a mortgage loan. However, if you have had some sma

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

Companies that provide selfless information through particip

ll stains in your record, lenders provide considerations such as specified above. Knowing these, you can pretty much estimate if you would be able to qualify for a mortgage loan or not

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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