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With widespread concern that rates were starting to increase significantly from their

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

30-year low in 2003, many homeowners quickly started looking into converting their low

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

Examples of combination products may in

rate adjustable HELOCs into more stable fixed rate loans to protect them from future r

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

te increases. Although the Federal Reserve seems to be slowing down their round of ra

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

e hikes, the financial security of a fixed rate loan is a very attractive alternative

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

Combination pro

o a loan that may have unpredictable payments in the future.

The very first step you

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

hould take in looking towards a fixed rate loan is to simply ask your lender if you ca

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

modify the terms of your existing HELOC. Some of these loans have a conversion optio

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

you can exercise if you have an excellent payment history and they probably do not wa

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

t to lose you as a customer to another lender. If that option is not available, look

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

t your financial goals:

How long do you plan on keeping your house? Are you

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

Following aspects would a

looking for a 15-year, 30-year or other term mortgage? Can you find a lender that o

dd to the challenges in developing combination products:

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

fers a HELOC with a fixed rate? (Yes, they are out there!) What monthly payment are y

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

u comfortable with?

Remember that although you will probably be paying a lower

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

interest rate with a new fixed-rate mortgage, you will now be paying back both princip

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

l and interest with every payment (as opposed to interest-only payments with most HELO

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

Professional from academic institutions, pharmaceutical industries, health care indust

s). Another consideration to keep in mind is whether or not you will be refinancing a

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

first and second mortgage into one new fixed-rate mortgage. A general rule of thumb i

.

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

that mortgage debt is considered “good debt”. It is usually at a much lower interest

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

Companies that provide selfless information through particip

rate than credit cards or car loans, and all of the interest you pay is tax-deductible

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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