Actual - Real Estate

A bridge loan mortgage is used as short tern finance, in scenarios whereby you buy your new home before you’ve actually sold your existing property. If you use t

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

his type of mortgage loan facility, you basically have two mortgages simultaneously on two properties, and therefore two lots or mortgager repayments to pay. Tha

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

Examples of combination products may in

is why a bridge loan mortgage should only be a short term option, because it’s an expensive way to buy a new property!

You have two options usually when you’re

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

ooking to sell your home in order to move to another.

Option 1 is to sell your home and ensure the sale completes at the same time or before you close the deal o

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

your new property. Option 1 is by far the safest and cheapest option as it precludes the need for a bridge loan mortgage. It is also the most common option for

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

Combination pro

most people. But there are occasions when option 2 is used.

Option 2 is to use a bridge loan mortgage to allow you to buy a new property whilst you endeavour to

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

ell your existing home, in effect the bridge loan mortgage is used to finance timing differences between sale and purchase. A bridge loan mortgage is a short ter

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

m interest only loan secured on your current home, to allow the proceeds to be used for the purchase of your new property, before your existing property is sold.

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

It basically bridges the gap between the sale of your old house and new home purchase.

So why would you want to take the risk and run the expense of this type of

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

loan facility. Quite simply a bridge loan mortgage is often the difference between securing the home of your dreams, or missing out! Often when your looking for

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

a new property, one will stand out above all others. When this happens, if you can’t sell your existing property you run the risk of losing out to buyers in a be

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

Following aspects would a

ter financial position. It’s at this point that you must decide whether to risk losing the house or risk the additional expense of a bridge loan mortgage.Typical

dd to the challenges in developing combination products:

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

y, because of the costs involved, a bridge loan mortgage has a short loan term of between six to twelve months.Because the repayment of the bridge loan is depende

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

t on the sale of your existing property to release the necessary funds, most lenders charge high interest rates on bridge loan mortgages. Typically the borrower w

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

ill have to begin making interest only payments after six months if the house still hasn’t been sold.

Whilst a bridge loan mortgage can ensure you secure your dr

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

am home, it is a very expensive option, and you should consider you financial ability to meet the repayments over a prolonged period should your property not sell

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

Professional from academic institutions, pharmaceutical industries, health care indust

quickly. In effect you are paying interest on two property loans simultaneously, so if your original property fails to sell quickly you could soon find yourself c

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

nsiderably out of pocket and unable to meet your repayments. Not only that, but the interest rates charged on a bridge loan mortgage are very high. You must serio

.

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

sly weigh up just how much you want your dream home, because every month you pay additional interest on a bridge loan mortgage you are effectively increasing the

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

Companies that provide selfless information through particip

urchase price of your new home. Before you take out a bridge loan mortgage you should seek independent advice from a financial adviser from the real estate market

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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