Answers - Real Estate

Buying a second mortgage for homes has emerged as a feasible option for people who are unable

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

to make the requisite down payment for the property. First of all it is important to understan

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

Examples of combination products may in

d how a second mortgage works. Suppose you wish to buy property and don’t have the required 20

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

% of the sale price as the amount to make the down payment. One option for you is to opt for p

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

ivate mortgage insurance for the required amount. In this, you will again need to make a small

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

Combination pro

down payment and then make monthly installments for the rest of the value.

Another option is

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

to take loan in two installments. Let us, for example, assume that you are in a position to m

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

ake 10% down payment. That means you will require 90% of finance. In this case, you will get 8

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

% loan as the first mortgage and the remaining 10% will be financed as the second mortgage.

T

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

his is also called piggyback financing. But you must keep in the mind that interest rates for

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

second mortgage is higher than that of the first mortgage. This is because the risk factors ar

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

Following aspects would a

e greater with the second mortgage loan as compared to the first mortgage loan. If there is a

dd to the challenges in developing combination products:

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

inancial crisis, the primary loan or the first mortgage loan will be paid first. The second mo

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

rtgage or the subordinate loan will be paid later.

To sum it up, second mortgage loans are lo

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

ans with a fixed rate of interest. As in the case of the first mortgage loan, the second mortg

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

age loan will depend upon your credit history and also the current rate of interest prevalent

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

Professional from academic institutions, pharmaceutical industries, health care indust

n the market. Generally the rate of interest is higher but the fees involved are lower.

Secon

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

d mortgage loans provide an excellent opportunity to raise money for homebuyers facing financi

.

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

al difficulties in raising the requisite money required for the down payment. Therefore, buyin

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

Companies that provide selfless information through particip

g a second mortgage is fast gaining popularity for raising the cash needed for buying property

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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