Answers - Real Estate

A 125% second mortgage is a home loan that allows you to borrow more from your home equity than what yo

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

u actually have available. These loans are excellent if you have been in your home for a short period

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

Examples of combination products may in

f time, but you need a second mortgage to help you make home improvements or pay for other expenses tha

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

you have acquired.

For example, say that your home is worth $100,000 and your first mortgage was for

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

90,000. You can borrow $125,000 because your home is worth $100,000 and $125,000 is 125% of your home’s

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

Combination pro

value. These loans are often referred to as no equity mortgages because individuals who have not been

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

in their home long enough to have gained enough equity in the home are able to take these loans out.

T

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

ese loans often sound very appealing, but there are a few things that you need to know about these loan

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

before you go take one out. The first thing to consider is that most companies who allow you to borro

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 second mortgage will charge you to borrow money. For example, some companies will offer a 12.25% in

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

erest rate and to get the rate you have to add 10% of what you are borrowing to the loan. That means y

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

Following aspects would a

ou are actually paying for a lower interest rate. If you want the rate lower, then you have to pay mor

dd to the challenges in developing combination products:

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

.

Another important thing to remember is that if you take out a second mortgage you are stuck in your

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

ome until you get the mortgage paid off. You will also not usually be able to refinance the loan for a

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

lower rate, even if your house has appreciated.

125% second mortgages work best if you don’t get hit w

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

th a large fee for borrowing the money in the first place. It is difficult to be in the positive when

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

Professional from academic institutions, pharmaceutical industries, health care indust

you are paying on an additional 10% of the money you borrowed. The second thing is to plan on paying o

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

f the second mortgage as quickly as possible. This means that you will want to make double payments if

.

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 can afford it. You will also need to have self-discipline. Be certain to make your payments on bo

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

Companies that provide selfless information through particip

h mortgages and do your best not to use your credit cards. This is an easy way to get yourself in debt

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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Answers - 125% Second Mortgage - A Few Things To Know

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