Dubai mortgage LTV — building-level, every quarter
Median loan-to-value derived from DLD Sales × Mortgage transactions, building-level. Tells you who's borrowing, how much, and where leverage is creeping up. Underwriter view — normally only available behind a Property Monitor or PMiQ subscription.
Dubai median LTV
72.8%
2026Q1
Median loan
AED 1.74M
DLD-registered
Areas covered
99
2,208 buildings
Dubai-wide LTV trend
Volume-weighted median across all areas · last 16 quarters
| Community | Median LTV | Median loan | Sample | |
|---|---|---|---|---|
| al-nahda-first | 96.6% | AED 425K | 147 | |
| al-yelayiss-1 | 86.8% | AED 2.52M | 1,704 | |
| al-yufrah-3 | 86.7% | AED 1.90M | 12 | |
| al-aweer-first | 86.1% | AED 2.52M | 14 | |
| al-athbah | 83.7% | AED 2.55M | 13 | |
| jumeirah-first | 82.7% | AED 2.52M | 23 | |
| trade-center-second | 82.1% | AED 2.75M | 11 | |
| al-yelayiss-2 | 81.9% | AED 984K | 216 | |
| madinat-hind-3 | 81.4% | AED 2.54M | 16 | |
| al-barsha-first | 80.0% | AED 800K | 11 | |
| al-hebiah-first | 80.0% | AED 814K | 115 | |
| jabal-ali | 80.0% | AED 575K | 54 | |
| muhaisanah-first | 80.0% | AED 1.16M | 20 | |
| wadi-al-safa-2 | 80.0% | AED 632K | 94 | |
| warsan-fourth | 80.0% | AED 580K | 36 | |
| al-satwa | 79.3% | AED 1.16M | 20 | |
| al-warsan-first | 79.2% | AED 444K | 79 | |
| nadd-hessa | 79.2% | AED 660K | 167 | |
| al-hebiah-fifth | 78.8% | AED 2.52M | 195 | |
| al-jadaf | 78.3% | AED 1.07M | 52 | |
| al-safouh-first | 77.5% | AED 1.74M | 11 | |
| al-barshaa-south-third | 77.4% | AED 732K | 212 | |
| al-hebiah-second | 77.3% | AED 629K | 57 | |
| jabal-ali-industrial-second | 77.2% | AED 436K | 22 | |
| al-barsha-south-fourth | 76.7% | AED 846K | 805 | |
| al-goze-first | 76.3% | AED 2.52M | 12 | |
| jabal-ali-first | 76.2% | AED 1.14M | 298 | |
| al-merkadh | 76.0% | AED 1.03M | 338 | |
| um-suqaim-third | 75.9% | AED 2.30M | 28 | |
| al-wasl | 75.6% | AED 2.63M | 48 | |
| al-kifaf | 75.0% | AED 1.99M | 25 | |
| al-goze-fourth | 74.1% | AED 756K | 27 | |
| Business Bay | 74.1% | AED 1.18M | 511 | |
| madinat-hind-4 | 74.1% | AED 2.52M | 37 | |
| al-thanyah-third | 74.0% | AED 1.52M | 96 | |
| saih-shuaib-2 | 73.6% | AED 2.52M | 13 | |
| al-hebiah-third | 72.5% | AED 2.52M | 180 | |
| al-kheeran | 72.4% | AED 1.46M | 16 | |
| wadi-al-safa-5 | 72.2% | AED 2.52M | 384 | |
| al-barsha-south-fifth | 72.0% | AED 788K | 133 | |
| al-hebiah-fourth | 72.0% | AED 754K | 242 | |
| madinat-al-mataar | 71.8% | AED 2.52M | 372 | |
| zaabeel-first | 71.8% | AED 5.44M | 20 | |
| al-hebiah-sixth | 71.6% | AED 2.52M | 149 | |
| al-mizhar-first | 71.5% | AED 2.52M | 12 | |
| jumeirah-second | 71.4% | AED 4.28M | 13 | |
| burj-khalifa | 71.1% | AED 1.93M | 404 | |
| wadi-al-safa-7 | 70.6% | AED 2.52M | 83 | |
| al-yufrah-2 | 70.4% | AED 1.95M | 16 | |
| al-thanyah-first | 70.2% | AED 1.33M | 12 | |
| hor-al-anz | 70.2% | AED 2.52M | 23 | |
| al-khawaneej-second | 68.8% | AED 2.52M | 10 | |
| wadi-al-safa-3 | 68.8% | AED 1.20M | 214 | |
| meaisem-first | 68.5% | AED 1.12M | 240 | |
| Palm Jumeirah | 68.1% | AED 3.25M | 113 | |
| madinat-dubai-almelaheyah | 67.4% | AED 1.01M | 15 | |
| al-khairan-first | 67.1% | AED 1.68M | 242 | |
| nad-al-hamar | 66.4% | AED 1.06M | 17 | |
| saih-shuaib-1 | 66.1% | AED 2.52M | 25 | |
| al-warqa-third | 64.7% | AED 2.56M | 10 | |
| mirdif | 64.4% | AED 1.18M | 26 | |
| zaabeel-second | 64.1% | AED 1.83M | 30 | |
| Dubai Investment Park First | 63.8% | AED 2.52M | 54 | |
| nad-al-shiba | 63.8% | AED 584K | 19 | |
| wadi-al-safa-4 | 63.6% | AED 2.52M | 11 | |
| al-thanayah-fourth | 63.2% | AED 2.52M | 103 | |
| Dubai Investment Park Second | 62.8% | AED 2.52M | 327 | |
| marsa-dubai | 62.4% | AED 1.32M | 634 | |
| al-barshaa-south-second | 62.3% | AED 888K | 31 | |
| al-thanyah-fifth | 62.3% | AED 1.26M | 300 | |
| world-islands | 62.1% | AED 1.02M | 12 | |
| hadaeq-sheikh-mohammed-bin-rashid | 61.0% | AED 1.79M | 277 | |
| al-bada | 60.9% | AED 2.52M | 11 | |
| al-rashidiya | 60.4% | AED 2.52M | 11 | |
| trade-center-first | 60.3% | AED 5.71M | 10 | |
| nad-al-shiba-fourth | 58.8% | AED 2.52M | 10 | |
| al-yufrah-1 | 58.6% | AED 2.52M | 214 | |
| al-twar-third | 53.7% | AED 2.52M | 10 | |
| nad-al-shiba-third | 53.2% | AED 2.52M | 16 | |
| island-2 | 51.5% | AED 4.63M | 10 | |
| wadi-al-safa-6 | 50.4% | AED 2.52M | 101 | |
| al-ttay | 46.5% | AED 2.52M | 11 | |
| al-safouh-second | 45.8% | AED 1.90M | 14 | |
| al-barsha-second | 44.8% | AED 2.52M | 10 | |
| al-khawaneej-first | 43.0% | AED 2.52M | 18 | |
| al-barsha-third | 42.8% | AED 2.52M | 10 | |
| nad-al-shiba-first | 40.4% | AED 2.52M | 142 | |
| saih-shuaib-4 | 38.8% | AED 2.55M | 21 | |
| al-karama | 38.5% | AED 2.54M | 11 | |
| al-yelayiss-5 | 37.8% | AED 2.56M | 32 | |
| al-warsan-second | 35.2% | AED 2.54M | 11 | |
| um-suqaim-first | 31.2% | AED 2.52M | 11 | |
| jumeirah-third | 28.0% | AED 2.52M | 10 | |
| Palm Deira | 26.0% | AED 2.52M | 59 | |
| al-qusais | 25.6% | AED 2.42M | 10 | |
| al-mamzer | 24.6% | AED 2.54M | 16 | |
| meaisem-second | 24.4% | AED 2.56M | 11 | |
| ghadeer-al-tair | 22.7% | AED 2.56M | 15 | |
| um-al-sheif | 21.0% | AED 2.56M | 16 |
Methodology
Each sale (DLD trans_group_en='Sales') is matched to coincident mortgages (trans_group_en='Mortgages') in the same building within ±2 months. The median matched loan amount divided by the sale price gives a per-sale LTV; we aggregate to median LTV per area-quarter and per building. Sanity-bounded to LTV ∈ [20%, 100%]. Approximate: foreign or private-bank financing doesn't register with DLD, so unfinanced-looking sales may include some non-DLD-mortgaged ones. Reasonable for trends, not for absolute totals. Last refresh: 5/11/2026.