Combined loan to value ratios include all mortgages recorded against a home. Loan to value is a critical concept in mortgage loans. Whenever possible, homeowners want to keep their loan to value ratio at 80 or less percent. When a homeowner has a first and second mortgage, they have a combined loan to value ratio. Combining both loans and dividing them by the current value of your home equals the combined loan to value, CLTV, ratio. High CLTV ratios restrict your future borrowing ability.
It would become one Fredrick the Great's most decorated Prussian heavy calvary regiments and was active during the War of Austrian Succession (17401748), the Seven Years' War (1756-1763), and the War of the Bavarian Succession in 1778.
Helmuth von Moltke the Elder. Helmuth Karl Bernhard Graf von Moltke (26 October 1800, Parchim, Mecklenburg-Schwerin â 24 April 1891, Berlin) was a German Field Marshal. The chief of staff of the Prussian Army for thirty years, he is regarded as the creator of a new, more modern method of directing armies in the field.