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It is a more difficult thing to get a personal loan than to get a mortgage on your house or a c

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

ar loan. This is because these other loans are secured by the house or car that you are going t

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

Examples of combination products may in

purchase. Therefore, if you cannot pay the loan back the asset you have acquired is taken by t

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

e bank to be sold and payout the outstanding debt. Consequently a personal loan is much higher

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

isk for a bank. That is why securing a low personal loan interest rate is so much more difficul

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

Combination pro

. The bank needs to ensure that you are a good risk before they would be willing to do this.

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

have any chance of getting a low personal loan interest rate as opposed to one that is much ha

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

der on your wallet you will have to be able to convince the bank that you are a good risk. Tha

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

means you will need to have a really exemplary credit history. If you have ever defaulted on a

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

loan before there is no chance you will get a loan let alone one with a low interest rate. If y

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

ur credit cards are maxed out this too will prevent you from successfully getting your loan. Bu

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

Following aspects would a

if your credit history is clean and you have always paid back your loans then despite it being

dd to the challenges in developing combination products:

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

an unsecured loan you will have passed the first hurdle. Next the bank will want to see that yo

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

have a good job and are making enough income to be able to pay your living expenses and still

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

ake your repayments.

The ability to get a low personal loan interest rate is all based on bein

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

able to convince the bank that you are the kind of client that they want to deal with. This wi

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

Professional from academic institutions, pharmaceutical industries, health care indust

l be done by not only having a clean credit record, but by showing them previous year’s taxes t

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

prove your income. They may even ask you for a budget so that they know you will be able to pa

.

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

back the loan. Think of it like a job interview, you need to sell you and your skills to the b

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

Companies that provide selfless information through particip

nk so they will give you a personal loan, unsecured, with the best interest rate they can offer

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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