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Interest only loans are loans that give you an option to pay just the interest on th

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

e loan for an initial period of repayment, say 5 years or 10 years. It also gives th

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

Examples of combination products may in

e option of paying the interest plus as much principal as you want.

There are many

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

advantages of interest only loans. They offer flexibility to repay as much principle

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

as you want. The amount that is not repaid as principle every month can be reinvest

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

Combination pro

ed elsewhere at higher returns. The returns can be used to pay off the loan when the

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

loan is amortized after the interest-only period. Or, it can be used to pay off ano

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

ther mortgage or a high interest debt like credit cards. Another advantage is the lo

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

wer initial payment enables you to qualify for a higher loan amount or another loan.

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

Interest only loans are suitable for people who are expecting an increase in the i

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

ncome in coming years, and for people whose income is in the form of indefinite bonu

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

Following aspects would a

ses and commissions. It is also good for people who invest the savings made on inter

dd to the challenges in developing combination products:

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

est-only loans properly.

However, there are also some risks involved with interest

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

only loans. The interest rate may go up considerably after the interest-only period,

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

significantly increasing the payments to be. This is because most interest only loa

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

ns are based on adjustable rate mortgages. Another possible risk is people trying to

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

Professional from academic institutions, pharmaceutical industries, health care indust

sell the home they mortgaged to repay the loan. The price of the house may not appr

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

eciate as much as expected, or it may even come down in value, making the sale and r

.

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

epayment difficult. Loss of income, slump in the economy and other unexpected contin

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

Companies that provide selfless information through particip

gencies are also some things to be considered while going for an interest only loan.

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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