# Combined Loan To Value ratio,CLTV,CLTVR,LTV

### Formula or Equation CLTV Combined Loan To Value ratio,CLTV,CLTVR,LTV Value of Loan 1 value of loan,VOL Value of Loan 2 value of loan,VOL AVORP appraised value of real property,AVORP

### Formula or Equation Note

Combined Loan To Value ratio (CLTV) is the proportion of two or more loans secured by a property in relation to its value. The aggregate principal balances of all mortgages on a property divided by its appraised value or Purchase Price, whichever is less. It is a ratio used by lenders to determine the risk of default by prospective homebuyers when more than one loan is used. In general, lenders are willing to lend at CLTV ratios of 80% and above to borrowers with a high credit rating. Distinguishing CLTV fr

### Calculator(how to use calculator?) Value of loan (Value of Loan 1)
Value of loan (Value of Loan 2)
Appraised value of real property (AVORP)
Combined Loan To Value ratio (CLTV)
Precision

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