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Home equity loans allow you to borrow money using your house as collatera

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

l. These types of loans can be a very useful source of credit when you ne

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

Examples of combination products may in

d it. The only problem is you have to pay it back, and you can’t afford 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.

o miss payments. Your house is at stake.

100% Home Equity Loans

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

hen you get a home equity loan, you can usually borrow up to 100% (or mor

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

Combination pro

e) of your home’s value. For example, if your home is worth $90,000 and y

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

u only owe $50,000, you have $40,000 in home equity to play with.

How

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

Much Should You Borrow?

The amount of money that you borrow should

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

epend on your personal situation. If you borrow 100% of your home’s equit

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

y right away, you are not leaving yourself with many options for the futu

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

e. At the same time, home equity loans are a very good source of credit w

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

Following aspects would a

en you need it. Make sure you carefully assess your situation before maki

dd to the challenges in developing combination products:

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

ng a final decision. Borrow enough, but don’t borrow more than you need.

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

Repaying Your Home Equity Loan

No matter how much money you borro

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

w, you will have to pay it back. Consider this carefully before getting a

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

100% home equity loan. Remember, if you get a loan and cannot make the pa

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

Professional from academic institutions, pharmaceutical industries, health care indust

yments, you could be putting your home at risk.

A Final Piece of Advi

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

e on 100% Home Equity Loans

A 100% home equity loan may not be right

.

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

for everyone. Before making a decision, contact different lenders, compa

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

Companies that provide selfless information through particip

e options, and find the home equity loan that meets your individual needs

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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