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Single-payment car leases can save you some money, but probably not as much as you migh

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

t think. Furthermore, there are some disadvantages that are worth noting.

Car leases a

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

Examples of combination products may in

re normally paid off in monthly payments over a specified period of time, the "term" of

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 lease. Each payment includes a portion of the amount by which the vehicle will dep

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

eciate in value over the lease term, a finance charge (interest), and possibly sales ta

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

Combination pro

x (in most states).

By making a single payment up-front, you avoid monthly payments an

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

d save some money that would normally be paid as finance charges. However, you don't av

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

id all finance charges, only some of them. Since you never pay off part of the value of

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

the vehicle (the lease-end residual value), you will pay interest on that value. By pr

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

e-paying your lease, you only avoid interest on the depreciation value portion of your

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

ease.

There are also some other reasons that pre-paying a lease may not be a good idea

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

Following aspects would a

. First, it negates one of the primary reasons for leasing, which is the fact that, wit

dd to the challenges in developing combination products:

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

h leasing, you don't tie up your cash in a depreciating asset -- an automobile. Your ca

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

sh could likely be put to better use elsewhere. Second, if your vehicle is stolen or de

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

troyed in an accident, your insurance only pays the market value of the vehicle and you

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

stand to lose much of the money you paid into the lease. Without the pre-paid lease, t

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

Professional from academic institutions, pharmaceutical industries, health care indust

he gap waiver in the lease would pay for any difference between insurance payoff and le

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

se balance. You lose nothing. Furthermoe, you may have difficulty getting a sales tax r

.

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

efund from your state/county.

In summary, if you are thinking of pre-paying your next

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

Companies that provide selfless information through particip

car lease, you should carefully consider the benefits versus the possible disadvantages

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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