Answers - Real Estate

A look at why the UK housing market is susceptible to periods of volatile and Since 1992 the UK has experien

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

ced a long period of rising house prices. However there are many reasons to suggest this may not continue in

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

Examples of combination products may in

definitely. Although it is easy to forget in 1992 UK house prices fell by 15%. These are a number of factors

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

which explain why house prices in the UK are volatile

1. Shortage of Supply. Supply is not responsiv

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 changes in demand. Due to shortage of land and difficulty of getting planning restrictions it is hard t

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

Combination pro

o build more houses, in the quantity needed. The effect of this is that only a small increase in demand will

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

cause a big rise in price. But at the same time, a small fall in demand would cause a significant decrease i

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

n price

2. Variable Mortgages. Most householders in the UK buy a variable mortgage. This means that

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

as the interest rate changes there monthly repayments will fluctuate quite a lot. Recently real interest rat

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

s have been historically low, encouraging people to buy. However, when the base rate is increased many peopl

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

e find it increasingly difficult to afford the repayments. Therefore home repossessions rise causing prices

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

Following aspects would a

to fall. This occurred in 1992 when interest rates rose to 15% causing house prices to plummet by 15 % in on

dd to the challenges in developing combination products:

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

year.

3. Buy to Let Speculators. There are an increasing number of house buyers who are motivated b

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

y the prospect of financial gains. They buy a house, rent it for income and then hope to make capital gains.

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

When house prices are rising they jump on the bandwagon. When house prices are falling they start selling.

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

herefore this speculative activity magnifies any fluctuations in house prices.

4. Mortgage payments

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

Professional from academic institutions, pharmaceutical industries, health care indust

Mortgage Payments are a very high % of people’s disposable income. With house prices being high it means to

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

get a mortgage many people have taken on the biggest mortgage they can get away with. For example some banks

.

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

are offering mortgages 5 to 6 times a person’s salary. Therefore this means that if there is a rise in unemp

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

Companies that provide selfless information through particip

loyment or slow down in growth, people are adversely and this has a knock on effect on the UK housing market

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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