Just Answers - Real Estate

Once upon a time, home buyers were required to make twenty percent down payments when they bough

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

t homes. Many people saved their money until they had larger down payments.

Today, it is more u

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

Examples of combination products may in

nusual to find any one making a large down payment. Skyrocketing real estate prices have surpas

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

ed buyer’s incomes and savings. National surveys indicate this trend is increasing in today’s r

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

eal estate market.

According to the National Association of Realtors, a statistical sampling of

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

Combination pro

a group of 7,500 purchasers from mid-2005 to mid-2006 was conducted and it was found that nearl

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

half of the group of first time homeowners financed the entire mortgage. This means they began

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

owning Real Estate with no equity at all.

An additional thirty percent put less than ten perce

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

nt down, and twenty percent put down less than five percent. This means eighty percent of first

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

time buyers became Home owners with less than ten percent equity.

Since this survey used inform

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

ation from Experian, one of the three major credit and realty data firms, the numbers are defini

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

Following aspects would a

tely representative of the situation. Experian stated the median down payment was actually two

dd to the challenges in developing combination products:

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

ercent.

I consider this trend to be very risky. It is possible these home owners can find them

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

selves with a mortgage and principal balance that is greater than the current market value of th

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

eir home. In flat and depreciating market conditions, the risks are great.

Five of the top rea

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

ons for greater risk are:
1. Real Estate Market fluctuations.
2. Job transfers.

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

Professional from academic institutions, pharmaceutical industries, health care indust

3. Large consumer debt.
4. Corporations downsizing.
5. Trend toward mega-corporations

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

.

I would not recommend making a small to non-existent down payment to anyone who doe

.

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

not have sufficient capital in the event they need it. While I do realize there are many more

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

Companies that provide selfless information through particip

home owners due to this practice, I consider it to be too risky for the average first time buyer

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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