Answers - Real Estate

Mortgage repossessions have leaped to their highest level in 5 years with a 65% increase in 2006.

Over 17,000 homes w

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

ere repossessed in the UK last year, and this figure is expected to rise to 19,000 in 2007. However, whilst this is a

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

Examples of combination products may in

ery unsettling time for those facing repossession, by historical standards UK repossessions are still below the 10-yea

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

average.

Back in 1991 repossessions totaled 76,000, over four times greater than current levels. The housing market

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

ack in the early 1990’s was different in two important respects:

1) In 1991 the economy had just come out of a perio

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

Combination pro

of 15% interest rates which made mortgage repayments very unfordable. In 2007, even though we have had a number of in

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

erest rate rises in 2006, interest rates are still at comparatively low levels.

2) House prices were falling in 1991

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

which led to many falling into the negative equity trap – whereby people were unable to sell off their home in order

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

o get out of trouble.

Since 1991, there has been an opposite effect, with low interest rates and a booming housing ma

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

ket making it easy for home-owners to afford mortgage payments and/or sell their house if they fell into difficulty.

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

owever, as we reach the end of the housing market boom and interest rates begin to creep up, it is inevitable that onc

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

Following aspects would a

e again home-owners will begin to struggle to keep up with payments.

The effects of higher interest rates take a whil

dd to the challenges in developing combination products:

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

to filter through because many home-owners have taken out fixed-rate mortgages which insulates them against rate incr

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

ases. Fixed-rates typically last for 2 years, so those who took out a fixed-rate mortgage in 2005 need to ensure that

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

hey can afford the inevitable jump in repayments in order to stop the threat of repossession.

At the same time, there

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

has been a substantial increase in the number of interest-only mortgages taken out, and repayments from interest-only

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

Professional from academic institutions, pharmaceutical industries, health care indust

ortgages are more volatile when interest rates change. So although houses have become increasingly affordable due to l

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

ose lending, those that have over-stretched themselves may find themselves running into trouble with repayments.

What

.

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

is worrying is that repossessions have increased in 2007 BEFORE interest rate increases had time to take effect. This

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

Companies that provide selfless information through particip

uggests that higher numbers of repossessions are being fuelled by personal debt rather than changing market conditions

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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