Answers - Finance

You really need a car. Badly. The old heap you drove through high school and community college has just

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

died (for real this time) and you need a new one. You would love to invest in a new car with a great r

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

Examples of combination products may in

sale value, but you need a car loan. Easy, right? Not so much. The problem is, you've got bad credit. H

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

w are you ever going to get a car loan with reasonable rates with your terrible credit?

You've heard t

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 horror stories; Young person just out of college manages to get a car loan only to be drowned by horr

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

Combination pro

fic interest rates. You don't want to be that person. You could find yourself indebted for years and yo

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

r credit will just get worse and worse. So how can you get a car loan with your bad credit?

Here's the

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

bad news: Bad credit will definitely make your car loan process much, much harder than it needs to be.

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

It's an inevitable fact, and you must get ready to face it and overcome it. Your bad credit is basicall

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

a red flag to any potential lenders. Think about it; If you had a friend who was known for never payin

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

anyone back, would you want to loan her $27,000? Probably not. It's the same mentality for creditors.

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

Following aspects would a

n giving a person with bad credit a large loan like a car loan, they are taking a huge risk. If you are

dd to the challenges in developing combination products:

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

unable to pay your bills, they will either lose money and a customer from your bankruptcy or have to sp

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

nd money seeking full compensation for the bill.

The good news: It's not impossible to get a car loan

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

with bad credit. One of the most common and widely accepted ways is to use a co-signer, which is exactl

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

what it sounds like. Instead of signing your loan as a sole borrower, you will be signing it with a cr

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

Professional from academic institutions, pharmaceutical industries, health care indust

dit-worthy relative or friend. You and your co-signer would both do well to keep in mind, however, that

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

once an agreement has been co-signed, your co-signer is equally responsible for repayment of the loan i

.

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 are unable to do it yourself. If you and your co-signer are sure that you will be able to make you

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

Companies that provide selfless information through particip

payments, then go for it. There's almost no better way to get a car loan than when you use a co-signer

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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