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Advice Pool - Home Buying - What Can You Afford?
Okay, you’ve decided to buy a home and are trying to figure out what you can afford. Before you go home buy
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
ing, you need to carefully consider what you can afford as far as a mortgage payment.
Mortgage Payments
T
Mortgage Payments
T
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
he first step you should take in determining what you can afford is to talk to a mortgage lender. In fact,
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
the best step you can take is to go through the loan process to the extent required to get a pre-qualificat
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
ion letter. A pre-qualification letter tells you and a seller how big of a home loan the lender will give y
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
ou.
So, once you have the loan in hand, that must be the amount you can afford? The answer is maybe or may
So, once you have the loan in hand, that must be the amount you can afford? The answer is maybe or may
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
be not. The prequalification letter is based on a number of factors such as your earnings and credit. It is
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
not based on a picture of your life, which can lead to problems.
Other Expenses
There is nothing worse t
Other Expenses
There is nothing worse t
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
han buying a home and straining to make the monthly mortgage payments. This situation occurs when a homebuy
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
er relies solely on the pre-qualification letter or their own wishful thinking. You may have purchased your
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
dream home, but don’t let the payments be a nightmare.
In determining how much you can afford to expend on
In determining how much you can afford to expend on
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
a home purchase, you must consider your overall financial situation. Although you may be in a decent finan
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
cial situation at the moment, do you have future expenses that will put pressure on your finances? Such si
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
tuations might include:
1. Planning to have kids in the next year or so?
2. Are your current children goi
1. Planning to have kids in the next year or so?
2. Are your current children goi
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
ng to college soon?
3. If you own a business, is the financial outlook stable?
4. If you work for a compa
3. If you own a business, is the financial outlook stable?
4. If you work for a compa
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
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
ny, are you reasonably sure the company is headed in the right direction?
5. Do you have any concerns rega
5. Do you have any concerns rega
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
rding the dreaded downsizing?
6. If you are the sole bread winner, what would happen if you were unable to
6. If you are the sole bread winner, what would happen if you were unable to
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
work for a few months because of health issues?
These general questions are intended to wake you up to th
These general questions are intended to wake you up to th
.
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
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
e possibility of over extending yourself on a mortgage. Every situation is different, so make sure you take
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
a careful look at your life to make sure you are committing to a loan you can afford now and in the future
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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