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When you call up to get a rate quote, the lenders know you are shopping around and even calling up 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

competitors. Therefore, after paying a specific amount of points, when you ask for a rate quote for a

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

Examples of combination products may in

specific lock-in period, most lenders will give you a reliable quote.

You wish to have the best deal an

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

at the same time, you are applying pressure for a great quote. Now, the question arises how to make sur

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 that the quote given to you is reliable.

The fact is that in this process, at least one loan officer

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

Combination pro

ill lie to you. This is because he is aware that if he does not fudge the rate, he cannot have a shot at

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

your loan and someone else will lie to you. Moreover, he also knows that there is no way you can check

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

if he is telling the truth.

It is quite likely that you will not immediately fill out an application an

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

lock in the false rate you were quoted. The best way will be to keep calling around and shopping for ra

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

tes. Finally, you call back the lender who gave you the best quote.

Unfortunately, in the present scena

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

io, ethical loan officers do not get your loan!

But, when you finally lock in your interest rate, it is

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

Following aspects would a

not guaranteed that you will be quoted accurately! The lender can jack up your rate at the end of the d

dd to the challenges in developing combination products:

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

eal when your options are limited and you might probably not even realize he is doing it because you are

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

not shopping interest rates anymore!

It is, therefore, recommended that you should first get a referral

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

from a Realtor or a friend and then shop other lenders.

Here are a few guidelines to follow:

• Do tel

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

the lenders how much you are willing to pay in points and how long you want to lock in the rate.

• Mak

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

Professional from academic institutions, pharmaceutical industries, health care indust

e sure all your calls are made on the same day.

• Also, let the lender know that you have already fille

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

d out an application and that you are willing to fax it in.

• Get the best quote, and then call the len

.

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

er who was referred to you.

• Let him know what you found out and he will tell you if it is real or not

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

Companies that provide selfless information through particip

.

This way you can choose your ideal lender and make sure that the quote given to you is quite reliable

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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Most people do not know that the interest rate you are quoted by your loan broker is probably not the lowest rate for which you qualify. As a result, you may pay up to $30,000 or more on your home loan than you should. This doesn't have to happen to you, and it won't if you educate yourself about how mortgage brokers and lenders do business.

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