Answers - Finance

If you are unlucky enough to have a bad credit history then buying a new car may seem impossible however there are many com

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

panies that are willing to assist those that have bad credit because they do not require any credit history.

Most people w

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

Examples of combination products may in

en looking to purchase a new car can not finance it themselves and therefore will have to resort to some form of loan or fi

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

ancial help. Finding a decent car loan when you have bad or no credit history can be a challenge but not something that is

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

mpossible.

Keep your eyes and ears open for companies advertising car loans with no credit history requirements you may fi

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

Combination pro

d that your local paper or the radio can offer you some connections.

Having no or bad credit may mean that you are penalis

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

d and will have to pay more for your loan, make sure you shop around as some companies may take advantage of your situation

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

.

Having bad credit may mean that you will be closely watched when it comes to keeping up the repayments of your bad credi

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

loan, take care not to be late when making your monthly payments as this may mean you suffer a hefty late payment fee.

Ha

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

ing a bad credit loan is not all bad, once the loan has been paid off not only will you be the proud owner of your car but

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

f you have kept up your payments this will help your credit history. Should you need to take out a loan in the future you s

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

Following aspects would a

ould find it a lot easier.

If you can afford to pay off more than the minimum payment each month your bad credit loan comp

dd to the challenges in developing combination products:

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

ny will look upon this favourably and may even allow you to refinance the car loan after a few years giving you a better in

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

erest rate and reducing your monthly payments.

If you do find it difficult to find a bad credit car loan try explaining yo

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

ur situation to the lender and what steps you have taken to resolve this situation. You may find that with enough evidence

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

hat the loan can be paid back they will reconsider your application.

Taking out a loan is not something that should be tak

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

Professional from academic institutions, pharmaceutical industries, health care indust

n lightly, it can put important assets at stake and will also affect the borrower financially. If you already have bad cred

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

t the worst thing you could do is to take out another loan that you simply can not afford to pay back.

Understand your fin

.

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

ncial situation so that you can ascertain if a loan is something you can on at this moment in time. Taking out a bad credit

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

Companies that provide selfless information through particip

car loan and missing payment could mean that you spiral into debt and may also lose the car that the loan was taken out for

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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