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Many of us are now buckling under the pressure of multiple loans. We fall into multiple debt traps because we think,

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

though wrongly, that taking one big loan and paying its huge monthly instalment is more difficult than paying the mul

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

Examples of combination products may in

tiple instalments of several loans. However, if we calculate the total interest we are paying for the many loans and

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

combine the monthly instalments together, we will realise that it is quite the other way round and thus it will be a

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

better option to take a debt consolidation loan and consolidate all our debts into a manageable one.

Consolidation l

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

Combination pro

oans, like some other loan products, can be either secured or unsecured. Unsecured debt consolidation loans re

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

quire us to furnish collateral which is usually in the form of a house. The collateral that we provide reduces the ri

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

sk to the lender. He has the option of selling off the collateral in case we fail to repay the loan amount back withi

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

n the stipulated time. The benefits for the borrower are:

• Easy terms and conditions
• Lower interest rates

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

> • Lower monthly instalments
• Longer repayment terms

Unsecured

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

onsolidation-loan.html target=new>debt consolidation loans don’t require us to furnish collateral and thus

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

Following aspects would a

they pose a great risk to the lender. He only has the legal option available in case we fail to repay on time. For t

dd to the challenges in developing combination products:

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

he borrower the benefits are:

• Fast processing, sanctioning and disbursal of the loan
• Very less paper work

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

r> • No risk involved

However, one must remember that unsecured debt consolidation loans, due to the risk it po

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

ses to the lender, have higher interest rates and shorter repayment terms than those of secured debt consolidation lo

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

ans.

Debt consolidation loans are available to people with bad credit as well. Most of those who avail these loans h

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

Professional from academic institutions, pharmaceutical industries, health care indust

ave a poor credit record because of their multiple loans. However, these loans help them improve their credit record

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

by paying off all their past debts. It is better, however, if those with a poor credit record apply for secured debt

.

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

consolidation loans.

Before applying for the debt consolidation loans, it’s better to compare the rates of the best

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

Companies that provide selfless information through particip

lenders in UK so that one can choose the best deal for oneself. Also, application should be made online to save time.

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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