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Teaser rates on variable mortgage products looked great at the beginning. Borrowers are starting to come out from the affect of the ether and waking up to a rate that is in some cases DOUBLE from whe

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

re they started. A lender would offer ?% to 1.0% below Prime rate (currently just increased to 8.25%) for say the first six months then go up to say just Prime. There were multiple combinations offer

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

Examples of combination products may in

ed to attract the borrowing public.

Subliminally, just barely below the human ear range, the song plays, “Those were the days my friend, I thought they would never end…” Now, with the current change

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

s and movement of rates, the song “Wake Up Little Suzie…” is blasting for all to hear. No subtly here.

What to do. Many fixed rate mortgages are less than the Prime rate. What was once a very cheap

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

nd attractive borrowing mechanism has now burdened the borrowing public with rising rates. Borrowers have a down turn look where banks are smiling from ear to ear with the status of the Home Equity

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

Combination pro

Line Of Credit (HELOC) tied to prime. Those borrowers who chose to pay a little more payment at the time and locked in a fixed rate are doing very well. I suspect those little voices from the past wh

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

en parents and the like would share with their children, “…stay away from adjustable rate mortgages, they can bite you down the road.” These words of advice have come full circle from the low rates

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

f the past.

If you are going to stay in your home for a long period of time, say ten years or more, and then a long-term finance plan would be in order. If you are not going to be in your home very

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

long, say 2 to 3 years or less, then it will tougher to justify closing costs to lock in a fixed rate. Let’s focus just for the moment on folks who are going to be staying in their homes for a long t

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

ime. For example: If you have a $200,000 first at 6.25% or better with an original 30 year term with payments of $1,231.43/month in principal and interest. In addition, you now have a 20 year $70,000

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

Home Equity Line of Credit at Prime or 8.25% or a current payment of $596.45/month with the immediate prospect of this going up some more in the short term. It would then make some sense to look at s

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

Following aspects would a

ome alternatives.

Simply, depending on credit score and loan to value of the property, a borrower could just go and convert the HELOC to a fixed rate and stop the roller coaster ride. The rate will

dd to the challenges in developing combination products:

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

be a little higher but the uncertainty will be gone. The current blended rate per this example is: $200,000 x 6.25% = $12,500 for the first and $70,000 x 8.25% = $5,775 for total annual interest of

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

$12,500 + $5,775 = $18,275 divided by the total outstanding debt of $200,000 + $70,000 = $270,000 is $18,275/$270,000 = 6.7685% as a simple interest blended rate at this moment.

Thus a long-term rat

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

of 6.7685% or less could be argued to give some long-term relief. However, if the borrower had been in the first mortgage for five years then in order to not back track a term of say 25 years could

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

be sought. You would extend the term on the HELOC and that would be regressing a bit. Today, a 6.625% rate could be achieved with the closing cost spread over the loan for the longer term without wo

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

Professional from academic institutions, pharmaceutical industries, health care indust

rrying about an escalating second mortgage. If your budget could stand it, a fifteen-year loan then would save a ton of interest with a current 6.25% rate at this writing. It would be more of a force

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

savings plan with the shorter term.

It’s all in the details. If you have a similar situation and can gather all the information then set about to determine what alternatives might be out there for

.

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

you and make a decision based on the facts and how best that will serve your long term family goals. At the time some of these Teaser Rates looked great. Now, over night it seems, have taken on a di

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

Companies that provide selfless information through particip

fferent persona. Now, they are not too pretty. The banks think they are beautiful showing once again that beauty lies in the eye of the beholder. Check your options. Please your family, not the banks

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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Debts incurred if not managed effectively go on accumulating and this can lead to the debtor ultimately turning bankrupt. Nonpayment of the debts can also be severely frustrating and stressful to the lender. These problems are more significant in the corporate and business sector. Thus businessmen and lenders arm themselves with the following strategies to recover debts.

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