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    With interest rates set to increase in the near future some commentators argue this could be the signal fo
    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
    r house prices in the UK to collapse either at the end of 2007 or in 2008.

    Worries over the UK housing ma
    ; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

    Examples of combination products may in
    rket have increased due to turbulence in the US housing Market. In the US house prices have been falling s
    lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

    ignificantly. However, the reasons for the fall in US house prices are somewhat different. There is no rea
    here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
    on it has to occur in the UK.e

    However there are various reasons why thUK Housing Market is different to
    d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

    Combination pro
    the US housing market.

    Why House Prices are unlikely to Collapse

    1. Differences in Sub Prime M
    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
    arket.

    The US sub prime market was more aggressive in its sale of "bad credit mortgages". Although th
    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
    e UK mortgage lenders have become less stringent they still retain more safeguards in checking a mortgage
    nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
    lan is payable.

    2. Shortage of Supply in UK. Excess supply in US.

    In the UK there is still a fund
    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
    amental underlying shortage of housing. In the US there is a growing surplus of housing. The excess supply
    ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
    of housing is a consequence of the irrational exuberance generated in the housing boom of 2002-2005. Ther
    ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

    Following aspects would a
    e is an increase in the number of houses without owners.

    3. Differences in Interest Rates.

    US int
    dd to the challenges in developing combination products:

    Which markets to tap where the combination products can do fairly well?
    Which combination prod
    rest rates have increased from a low of 1% in 2003 to their current rates of 3.5% This has had a significa
    cts are meaningful and rational?
    Which therapeutic categories to select?
    Which Combinations can address unmet needs of the patients?
    Do combin
    nt impact on increasing cost of mortgages. In the UK the increase in interest rates has been a smaller and
    tions increase the patient compliance?
    What would be the developing cost?
    How to tackle the risks encountered during combination product developmen
    more gradual process in last year UK interest rates have only increased by 0.75%

    4. Population growth
    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
    .

    The UK is witnessing an increase in the number of households. This is caused by:

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

    Professional from academic institutions, pharmaceutical industries, health care indust
    astern Europe

    Demographic Factors such as rising number of single people.

    Aging population, increasing n
    y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
    umber of old people living alone.

    Combined with a shortage of supply this explains a significant reason f
    .

    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
    or increase in UK house prices.

    Interest Rates likely to Peak soon

    Inflation is still quite low.
    elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

    Companies that provide selfless information through particip
    Moderate rises in interest rates are likely to be sufficient to reduce any lingering inflationary pressure


    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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