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People say that you are rich because you own a house in the heart of city. With rising property

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

prices, you are becoming richer every day. However, you are a rich man only on papers. All you

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

Examples of combination products may in

r capital is tied up in the house. To have some money at your disposal, the only option you hav

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

e is to sell your house. This is not a good idea. Once you sell your house, you might not be ab

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 to buy a new house. Since the house prices are rising, it has become very difficult to buy a

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

Combination pro

new house.

At the same time, you got to have some money to spend on various items. Many times,

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

you need money for expenses that are over and above your regular expenditure. Lenders offer

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

> unsecured loans for these situations, but at a very high rate of interest. Besides, ther

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

are several other disadvantages of unsecured loans. Instead of taking out an unsecured

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

loan, you can use your house to raise some money. This can be done by taking out a homeowner l

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

oan. A homeowner loan will help you release the equity that is tied up in your house. You can u

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

Following aspects would a

se this money for any purpose you want.

Let us discuss on the negative aspects of homeowner lo

dd to the challenges in developing combination products:

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

ns. A homeowner loan is secured against the borrower’s house. If the borrower fails to

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

repay the loan, the house may be repossessed by the lender. According to an estimate, house re

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

possessions are on a rise in the UK. As many as 5,630 houses were repossessed in the second hal

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

f of 2005 as compared to 4,620 in the first half. There was an increase of 70% in the total num

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

Professional from academic institutions, pharmaceutical industries, health care indust

er of repossessions in 2005 as compared to 2004.

Therefore, you should go for a homeowner loan

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

only when you are confident that you will be able to repay the loan as per the loan terms. If

.

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 do not have a regular income or if the amount of monthly installments exceeds your monthly

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

Companies that provide selfless information through particip

income, avoid taking out a homeowner loan. Think carefully before applying for a homeowner 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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Are you throwing around the word 'accountability' and no-one is catching it? This article takes a look at what practical steps you can take to improve the chances that people will be accountable for the goals they are responsible for.

unsecured loans do not require collateral from the borrower's side. They make for perfect short-term loans.

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