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Some thing that you will never want to face as a home owner is losing the ability to pay the mort

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

gage. Some ways this can happen is if you lose your jobs, you can’t work because of medical reaso

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

Examples of combination products may in

ns or you took out a bad long term loan like an adjustable rate mortgage also known as an ARM. If

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

you took out an adjustable rate mortgage, and the adjustment period as past, and now your mortgag

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 is too high for you to pay. The recommended thing for you to do is refinance to get a fix rate

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

Combination pro

ortgage. If you can’t find a bank willing to work with you, the best thing you can do is get a mo

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

rtgage broker or mortgage brokers to find a bank for you. The reason you can get more than one is

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

a mortgage broker is not paid directly by you.

A mortgage broker compensation for his or her se

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

rvice is taken out by the bank and giving to them when you refinance. If you use one or more mort

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

age broker it is important that you do your homework and pick them well. The reason for this is y

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

ou will be giving them some sensitive information that you will never want to fall into the wrong

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

Following aspects would a

hands. Also if you do use one or more mortgage broker it is wise to still look for banks for you

dd to the challenges in developing combination products:

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

self. If you lose the ability to pay the mortgage not because of a bad loan but because you lost

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

your job or you can’t work because of medical reason, there are some things you can do.

One thin

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

you can do is rent out some of the rooms in your house. If you do this let the person you are re

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

nting out to sign a contract showing the rules of the house, how much is the rent and letting the

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

Professional from academic institutions, pharmaceutical industries, health care indust

know that the lease is in a mount to month basis. One other thing you can do is cut back on your

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

spending until you find a job or until you get well. The last thing you can do is sell your hous

.

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

witch is always the last option. If you ever get into a situation where you can’t pay the mortga

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

Companies that provide selfless information through particip

ge hopefully some of the information you read here will help you get through this tough situation

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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