Main Subject - Finance

Open mortgages are the only products on the market that let you to pay off the full mortgage balance without penalty. In most cases, lending inst

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

itutions offer open mortgages only with variable rates or as a line of credit.

So with no early payment penalties, why doesn’t everybody want an

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

Examples of combination products may in

open mortgage?

It’s expensive

Lenders give the lowest rate to the borrowers from whom they know they will be earning interest for a certain pe

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

riod of time (taux hypothecaire). They are assured of this because the borrower guarantees that he will not pay off his loan and go to another bo

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

rrower during a certain period of time.

So how much do open mortgages cost?

In order to have the freedom to pay off your home loan (taux hypoth

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

Combination pro

ecaire) at any time, and remove the guarantee the lender has that he will have earnings from you for a fixed time, the lender will need to have a

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

n increased up front earning. If you compare a closed variable rate mortgage to an open variable rate mortgage, you will see that the closed rat

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

e mortgage is offered as low as .75% below the prime rate. The open variable rate mortgage will usually be offered at the prime rate. If the pri

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

me rate is 6%, the fixed variable will be 5.25% or maybe even lower, while the open variable rate will be 6%, maybe a little lower to 5.75%.

Doe

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

s it pay to have an open mortgage? In certain situations, yes.

If you know you will be paying off your mortgage or changing your loan in 12 mont

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

hs, it would pay. - hypotheque

Here are the examples:

• Mr. A intends to borrow $100,000 for his home and decides upon an open mortgage because

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

Following aspects would a

he will be selling rental property and using the earnings in 12 months to pay off his mortgage (hypotheque). His rate on the open mortgage is pr

dd to the challenges in developing combination products:

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

ime less .25%, 5.75%. During the first 12 months, he pays $5,634.20 interest and he has a mortgage balance of $98,133.94.

• Mr. B chooses a clos

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

ed rate variable mortgage for his $100,000 mortgage. He gets a rate of prime less .9%, 5.1%. When the 12 months are over, and he wants to pay of

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

f his loan, he has a penalty of two months interest, that is $825.35. During the 12 month period, however, he has only paid $4,999.70 in interes

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

t. His mortgage balance is $97,951.97

So Mr. A with the open mortgage has paid $816.47 more in mortgage payments than Mr. B, even though Mr. B h

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

Professional from academic institutions, pharmaceutical industries, health care indust

ad to pay an interest penalty of $825.35. The cost of each of these mortgages is just about equal after 12 months.

What conclusion can be taken?

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

The open mortgage (pret hypothecaire) is a great idea if you want to avoid high early payment penalties. But you should only use it if you are

.

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

fairly certain that the home loan will be paid off within 12 months. If not, you are better off taking advantage of a fixed rate loan and risk a

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

Companies that provide selfless information through particip

payout penalty.

Taking the time to choose the right mortgage strategy that is personalized to your specific situation can result in big savings.

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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