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There are programs to help when you don't have the down payment to buy a home. With today's high real estate prices,

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

struggling to come up with a 20 percent down payment to buy a home can be a daunting task. Fortunately, there are opt

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

Examples of combination products may in

ons that can help. Many lenders now offer non-traditional no-down-payment mortgages or second mortgages to cover the

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

cost of a down payment.

No-down-payment mortgage With a no-down-payment mortgage, 100 percent of

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

he purchase price of a home is financed with a single mortgage and the homebuyer makes one monthly mortgage payment.

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

Combination pro

The advantage, especially when housing prices are escalating, is that you can enter the housing market without waitin

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 save up a down payment. The disadvantage of this type of financing is that you are likely to be charged a higher

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

interest rate than you would with a standard mortgage. This means your monthly mortgage payment will be higher. Also,

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

because you didn't make the standard 20 percent down payment, you will have to pay private mortgage insurance (PMI) 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

o protect the lender in the event that you default on your loan.

Second mortgage Another option f

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

r buying a home without a down payment is a second mortgage, often called a piggyback loan. If you use an 80/20 loan,

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

Following aspects would a

80 percent of the purchase price can be financed through a first

dd to the challenges in developing combination products:

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

>mortgage and the remaining 20 percent comes from a second mortgage. The advantage of this type of loan is that y

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

u don't have to pay private mortgage insurance. The disadvantage is that the second mortgage usually carries a higher

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

interest rate than the first. You must therefore assess whether you are better off paying for the insurance or the a

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

ditional carrying costs.

Before choosing a no-down-payment loan, you should consider both your own personal situatio

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

Professional from academic institutions, pharmaceutical industries, health care indust

n and the state of the housing market. When housing prices are escalating, it may make sense to jump into the market

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

s soon as possible. However, the reverse is also true. If you were to choose a no-down-payment mortgage and the price

.

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

of houses were to drop in value, you could find yourself in the position of owing more for your home than it's poten

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

Companies that provide selfless information through particip

ial resale value. So weigh all of the factors carefully and discuss with your lender if it's the right option for you

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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