Main Subject - Finance

One often hears that it is better to make mortgage payment once a week, or once every two weeks - pr?t hypothecaire.

What is the impact of this strategy?

In order to answer

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

this question, we have to define the two possible bi-weekly payment possibllities:

• accelerated weekly payment
• minimum weekly payment

The method used most frequent

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

Examples of combination products may in

y is the accelerated weekly payment. This is the monthly payment, divided by 4, so what you are really doing is making more than 4 monthly payments, since there is a bit more

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

than 4 weeks in each month. This is the accelerated payment method because there are an extra 4 payments in a year, so this increases the number of payments you are paying ag

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

inst your loan (hypotheque) balance.

The next method is the minimum weekly payment in which you make the minimum payment that you can on the home loan until it is paid off

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

Combination pro

uring its amortization period.

You can see right away that the savings from these two methods will be different. The minimum weekly payment (hypoth?que) increases the frequ

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

ency of payments from 12 times annually to 52 times annually, while the accelerated weekly payment method actually ADDS 4 extra weeks to the number of payments, in addition t

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

increasing the frequency of payments.

We can examine my studies of these two methods of mortgage payments.

The minimum weekly payment

On a $200,000 mortgage, with 5.4% in

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

erest and an amortization period of 25 years, the savings is $1,294.12 compared to a monthly payment. The higher the interest rate, the higher the savings, by a large margin

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

pr?t hypothecaire. An interest rate of double that amount would give a savings that is 7.08 times larger.

The home owner will have a 43% savings if he pays his loan every w

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

ek instead of once every two weeks. The rate of interest is not affected by this.

How is this possible?

The explanation is simple, but difficult to put into words. Since t

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

Following aspects would a

here is less time between each payment, one part of the capital is paid down a few days earlier, which more rapidly reduces the interest paid on the amount that is repaid. T

dd to the challenges in developing combination products:

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

e savings is minimum for each payment but increases dramatically over time.

Conclusion: The more frequent the payments, the more savings, even if you do not increase the amo

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

nt paid. If it is possible, make your payments each week, if not, make them every two weeks - hypotheque.

The accelerated weekly payment - Summary:

1. The accelerated wee

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

ly payment increases payments by $23.25 a week on a mortgage of $200,000 amortized over 25 years with an interest rate of 5.4%.

2. The home ($200,000) will be paid off in 1,

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

07 payments, or 21.3 years.

3. The savings will be $28,173.78 (the calculations are at the end of the article)

4. It will be better not to make accelerated payments if you

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

Professional from academic institutions, pharmaceutical industries, health care indust

have a fixed or guaranteed investment which earns 7.52% per year before taxes.

Yes, it is imperative to choose the best payment method for your home loan, but the really im

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

ortant thing is to choose the best mortgage strategy for your situation.

Notes : If someone buys a home for $200,000 (with a rate of 5.4%) and pays it once a month ($1,209.1

.

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

a month), he will have paid $362,749.83 after 25 years ($200,000 plus $162,749.83 in interest); on the other hand, with accelerated weekly payments ($302.29 per week), he wi

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

Companies that provide selfless information through particip

l have paid $334,576.05 ($200,000 plus $134,576.05 interest) in 1,107 weeks our 21.3 years. This is a savings of $28,173.78 ($362,749.83-$334,576.05) to pay the same mortgage

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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