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If you buy your home before its built, you could save money and secure the best one in the block.

Imagine buying bunch of bana

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

nas before it ripens or buying fish before it arrives to stalls, people normally get a bargain and a big discount, normally wel

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

Examples of combination products may in

l-below the market value. Buying off-plan or properties on the pre-selling stage follow the same principle: it's buying a prop

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

erty before it has been built, and generally at a discount. Few years ago, only professional investors would do this, but now

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

more and more people are looking for their own home are going down the off-plan route.

One of the main reasons why many Filipi

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

Combination pro

nos now find themselves considering this kind of purchase is because it is one way of getting a luxury condominium or a house f

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

or less, with buyers typically expecting to pay about 10 to 15 percent below the market value.

You will ask: "Why do developer

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

do this?" Of course, they don't run a charity. They do pre-selling of units at a reduced rate to keep bank loans down and to g

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

et more lending, therefore reducing the amount of cash they have tied up in the properties.

Personally, I am all in favor of i

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

t. Done it right, you can get a better price and choose the best unit for you early on. We have had growing amount of Filipino

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

expats and OFWs buying units on a pre-selling stage. One advise: Be sure that you are dealing with accredited developers who

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

Following aspects would a

are nationally recognzed and has a good track of record not just in selling units but also management, after-sales service. Als

dd to the challenges in developing combination products:

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

o check their number of years in trading. You don't want to be dealing with a bogus "My Real Company Ltd" with no credentials.

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

You can check with the Housing And Land Use Regulatory Board (HLURB) which can be contacted at:

HLURB Bldg.,

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

alayaan Avenue cor. Mayaman St. Diliman, Quezon City 1101 Philippines.

Tel Nos. (632) 927-2723, (632) 924 3378

Email:

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

="mailto:esg@hlurb.gov.ph" target="_blank">esg@hlurb.gov.ph

Head: Director Wilfredo I. Imperial

The demand is so high, in

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

Professional from academic institutions, pharmaceutical industries, health care indust

fact, the first phase of one recent development, the GA Towers, in Edsa near Boni Avenue and SM Megamall, had sold 600 units i

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

n just 3 months! Probably this is due to massive increase of Filipinos abroad, who enjoy a strong purchasing power from strong

.

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

currencies against Philippine Peso; they are very keen to acquire luxury properties because that their hard-earned cash and inv

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

Companies that provide selfless information through particip

estment will be giving them some form of security against inflation and that property gives them a sense of pride and ownership

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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With billions of dollars of venture capital residing down the street on Sand Hill Road, two Stanford professors are attempting to answer a fundamental question “why does it always take longer and cost more to build a hi-tech company than anyone ever expects?” For all the intellect, experience and graduate degrees in the venture capital industry, the sad truth is that 80% of venture capital investments do not pan out. While the reasons for this high attrition rate are too numerous to list here, a simple fact defines every successful investment - the company figures out how to bring in more money than it spends. The secret to solving this fundamental equation these two professors believe lies in the Sales Learning Curve.

While it is difficult to save enough for a mortgage down payment, there are loans available that require no money down. This article discusses those loan options and the benefits of checking/fixing your credit before applying for them.

Successful property investment requires a disciplined process which can be repeated time and time again to add to a growing portfolio.

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