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.
By 1776 a typical infantry regiment had a regimental staff and eight companies. Along with three field officers and six staff officers, the regimental staff â¦ included four staff NCOs: a sergeant major, a quartermaster sergeant, and two lead musicians (a drum major and a fife major).