Answers - Real Estate

Once the application process is started, the home lending loan company will ask you for certain kinds of information. It helps to have this i

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

nformation handy during the application process to make it go smoother. The lender will also have a heightened respect for you, which will af

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

Examples of combination products may in

fect how they handle your case throughout the process.

Typically, they will want to know the following:
1. Your name, and any other bo

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

rowers that will be included in the mortgage. If there are other borrowers, you will be asked to provide the information below for them as we

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

ll.
2. Your current home address, as well as the length of time you’ve been there. As a rule of thumb, lenders like to see at least 2 y

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

Combination pro

ars at the same address. The longer you’ve been at the same address, the better your chances of getting approved, particularly if you are a b

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

orderline case. If you’ve been there less than 2 years, be prepared to give your previous addresses until the 2 years has been satisfied.

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

3. Your work information, including address and two phone numbers— one where they can reach you, and the other to verify your employment.

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

s above, the 2-year rule applies. Be prepared to give previous employer names, addresses, and phone numbers where they can verify your past e

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

mployment. Self-employed borrowers have a different standard all together, as we will explain later.
4. Your income.
5. Your soci

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

l security number, which they will use to pull your credit report.
6. The value of your home. The figure you give them has a huge effec

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

Following aspects would a

t on which programs they can give you, and often the rate as well.
7. Your mortgage balance, if you have one, and your current mortgag

dd to the challenges in developing combination products:

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

e company information, including their name, address (if available), account number, and especially phone number. As you will see later, you

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

ay be able to save a lot of money with this information!
8. Your current assets, including any life insurance, automobiles, other prope

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

rties, etc.
9. Your current liabilities; that is, anything you owe. Although they will gather this information anyway after they pull

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

our credit, it is always a good idea to know this information ahead of time. That way, you know exactly what you can afford. It is not always

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

Professional from academic institutions, pharmaceutical industries, health care indust

good to listen to what the mortgage company says you can afford, because they work strictly off ratios and numbers, and the information they

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

have.

Once all of this information is given, they will pull your credit report. Based on what they see on your credit report and your appli

.

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

ation, the Loan Officer and/or computer will evaluate whether or not you qualify for one of their products. Usually, they will let you know w

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

Companies that provide selfless information through particip

ithin 24 hours, but those companies with the more sophisticated computer systems might be able to give you a pre-qualification within minutes

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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