Just Answers - Finance

You are planning to buy a new home. There are many issues that bother you at this point of time and the major one is finance. With markets full of options for home loans,

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

there are many things to be considered while choosing a particular home loan program. We will go through the necessary steps to get home loan: some before you apply for it

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

Examples of combination products may in

and some after you apply for it.

Steps to get home loan # 1
Maintain your credit records: Good credit track record will help you a long way in getting your home lo

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

n approved smoothly and quickly. So pay all your bills and takes on time every time, especially in the year before applying and during the period when your application is

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

being processed. Pay down your credit card balances as it will reduce your liability and increase your credit score.

Steps to get home loan # 2
Get Pre-qualified for

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

Combination pro

a home loan: Getting pre-qualified for a home loan is a good idea because it gives you an idea how much you can borrow. You can get pre-qualified for free from any major

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

ending institutions. It can even be done over phone.

Steps to get home loan # 3
Organize all your paperwork and decide on a budget: Keep all your financial documents

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

handy. These documents would include copies of your bank account statements, income tax returns, pay slips, recent credit card statements, and divorce decree and child su

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

pport documents. Organizing these documents would also help you have an idea about your financial status and budget. The maximum limit of home loan that the organization w

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

ll provide will be different to the limit that you can afford.

Steps to get a home loan # 4
Get a guarantor: Though all organizations do not ask for guarantor, it al

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

ways works to your advantage to have one. This also increases your credibility and chance to approval of a higher amount.

Steps to get home loan # 5
Apply with all r

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

Following aspects would a

elevant documents: Once you have decided to buy a particular property apply for the home loan. The more complete and accurate your documents, faster will be your home loan

dd to the challenges in developing combination products:

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

process. You can even apply online and the loan agent will get in touch with you.

Steps to get home loan # 6
Processing and Verification: All the documents submitted

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

by you are verified during the processing of your loan. A loan officer might visit your property as well as your current residence to verify your details. Your employment

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

details will also be checked. An appraiser will call you up and visit your property you want to buy, for its valuation.

Steps to get home loan # 7
Loan Sanction: Af

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

er all the details provided by you are verified to the satisfaction of the loan officer, a letter of sanction will be issued. This letter containing the amount of home loa

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

Professional from academic institutions, pharmaceutical industries, health care indust

n and the terms and conditions has to be signed by you.

Step to get home loan # 8
Submission of original property documents: Your title deed will have to be left wit

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

h the lending company as security for the home loan. You will have to go to the company to sign the loan agreement.

Step to get home loan # 9
Disbursal of the loan a

.

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

ount: You can withdraw the amount of loan as and when required by you as per the stages of construction of your house or payments. Until the whole amount is withdrawn you

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

Companies that provide selfless information through particip

will be required to pay only the interest on the amount withdrawn. Your Equated Monthly Installments (EMI) will begin only after the loan amount has been withdrawn in full

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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