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Whether you are just moving out on your own for the first time, or you’ve moved ten times before, there is always a big choice to make. Do you rent or buy your home? There are valid a

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

rguments on both sides, and in different scenarios either one could be the right choice. When you start looking into your next, and possibly final living space, there are a number of t

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

Examples of combination products may in

hings you should consider.

When deciding whether to rent or to buy you might first look at how long you plan to stay before moving again. If you thrive on frequent change and the fre

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

dom of spontaneity, buying might not be the best choice. Renting a house is often considerably easier than selling one.

Another more obvious consideration is your financial picture. D

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

o you have enough for a down payment of 10 percent, or is one month’s rent more in your budget? Credit worthiness is a significant factor. In order to secure a loan you will need to dem

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

Combination pro

onstrate capacity to repay, strong credit history and collateral to secure the loan. Although your credit union can help you explore some viable lending options if you have a few credi

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

blemishes, very poor credit may eliminate all funding options. You may choose to rent while you rebuild your credit score and save some money. Some advantages of renting

1. You have

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

to pay a deposit to move in, but can get it back at the end of your lease, assuming there is no damage to the property.

2. Repairs to the property are generally covered by the owner.

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

3. You do not have to pay property taxes or insurance (although you should consider renters insurance) on the rental property.

4. You do not have to worry about marketing it yourself

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

f you chose to move.

These can be powerful advantages for people without strong community ties or in temporary circumstances or with financial concerns.

Some disadvantages of renting

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

1. You have no equity in your payments, and when you move, the money you paid to rent is gone.

2. You have to abide by the rules of the property owner, and many times the rent does no

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

Following aspects would a

t reflect on your credit unless you have a negative experience, such as an eviction.

3. You are limited in terms of creating a space “uniquely yours” (i.e. limited possibilities for re

dd to the challenges in developing combination products:

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

odeling).

A few thoughts on buying

Buying a home requires a good deal of thought and investment, but it can be an excellent option for those with the credit, money, and desire to rema

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

in in one place for an extended period.

The upside of buying a house is that it is yours, and you can do what you wish with it (within reason of course, or you will have neighbors/asso

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

ciations to answer to!). Many homeowners appreciate opportunities to personalize their homes and painting, remodeling, and adding on become exciting options.

Making house payments and

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

improvements on your home also helps build equity, making the house worth more with time. Owning a home also offers advantages at tax time and can be an important resource if you ever n

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

Professional from academic institutions, pharmaceutical industries, health care indust

eed to borrow a large sum of money.

There are some downsides to buying. If it breaks, you get to fix it. There is no maintenance man or deductions on rent for self-repair. You also h

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

ave to pay all taxes and insurance on your home, causing more of an expense than renting somewhere comparable. Issues regarding value are also in play. Purchasing a home should be an i

.

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

vestment. If your home loses value because of changes in the neighborhood or the market you may end up losing money.

What’s most important for making the best decision for your situati

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

Companies that provide selfless information through particip

on is research and a careful review of your short and long term financial goals. The choice is yours

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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