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Probably the most common way people manage their debts is by consolidation into their mortgage.

Buying a property these days i

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

s no easy affair. For first time buyers it is even harder as they rarely have any equity to put down as a deposit and the quick

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

Examples of combination products may in

er they save for a deposit the faster house prices rise. Whilst It is very difficult for first time buyers it is equally impor

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

ant for them to get on the property ladder. Renting a property is normally just as expensive as a mortgage if not more and it

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

is simply money down the drain for the tenants with all the profits going to the owner of the property.

Some mortgage companie

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

Combination pro

will offer special schemes involving cash back deals or other incentive deals for first time buyers. However it is advisable

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

if you do decide to enter into a mortgage arrangement that is not a standard repayment to get independent advice to ensure ther

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

e are no hidden costs along the way.

An example of this would be if you were buying a new house and the builder or seller were

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

offering carpets, washing machines, cookers etc whilst this may sound a very good offer and attractive to first time buyers you

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

would be better off asking the vendor for further money deducted from the house and not taking the offer of the included goods

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

as you will be paying for them over twenty five years together with interest if they are included as part of the house sale.

O

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

Following aspects would a

nce you are on the property market your house will increase in value and the equity in it will be yours and more importantly yo

dd to the challenges in developing combination products:

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

u will be able to use this equity to consolidate any outstanding debts you may have incurred along the way.

It is true to say

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

hat there is no guarantee your property will increase in value just like any investment there are risks to consider. That said

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

investing in property is probably one of the most secure ways to ensure a return on your cash as at the end of the day and whi

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

st the market may fluctuate from time to time, people will always need somewhere to live and therefore ultimately your property

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

Professional from academic institutions, pharmaceutical industries, health care indust

will increase in value.

Once you have a foothold on the property ladder and have owned your property for say a couple of year

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

s you should have built up some equity together with some debts incurred in buying new bits for your home.

In order to realise

.

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

the equity you do not need to necessarily sell the property. You could simply approach your mortgage company for an increase o

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

Companies that provide selfless information through particip

n your borrowing to either consolidate any outstanding debts or for any building improvements you may wish to make to your home

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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