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
71.7%
2026Q2
Median loan
AED 1.59M
DLD-registered
Areas covered
89
2,190 buildings
Dubai-wide LTV trend
Volume-weighted median across all areas · last 16 quarters
| Community | Median LTV | Median loan | Sample | |
|---|---|---|---|---|
| al-nahda-first | 100.0% | AED 425K | 117 | |
| al-aweer-first | 90.2% | AED 2.46M | 10 | |
| al-yufrah-3 | 86.0% | AED 1.90M | 12 | |
| al-barsha-first | 85.7% | AED 850K | 10 | |
| al-warsan-first | 85.3% | AED 380K | 63 | |
| um-suqaim-third | 84.0% | AED 2.46M | 13 | |
| al-hebiah-fifth | 83.4% | AED 2.46M | 260 | |
| trade-center-second | 83.2% | AED 2.87M | 13 | |
| al-yelayiss-1 | 80.8% | AED 2.50M | 539 | |
| muhaisanah-first | 80.5% | AED 1.68M | 15 | |
| madinat-dubai-almelaheyah | 80.1% | AED 1.92M | 26 | |
| wadi-al-safa-2 | 80.1% | AED 760K | 120 | |
| warsan-fourth | 80.0% | AED 580K | 41 | |
| al-barshaa-south-third | 79.6% | AED 737K | 281 | |
| nadd-hessa | 79.4% | AED 650K | 137 | |
| al-yelayiss-2 | 78.6% | AED 772K | 266 | |
| madinat-al-mataar | 78.6% | AED 1.16M | 291 | |
| al-barsha-south-fourth | 78.5% | AED 800K | 732 | |
| al-hebiah-first | 78.5% | AED 1.01M | 130 | |
| al-safouh-first | 77.6% | AED 1.85M | 22 | |
| jabal-ali-first | 77.1% | AED 915K | 486 | |
| al-merkadh | 76.7% | AED 1.12M | 350 | |
| al-safouh-second | 75.8% | AED 2.76M | 20 | |
| madinat-hind-4 | 75.8% | AED 2.40M | 38 | |
| al-goze-fourth | 75.3% | AED 800K | 14 | |
| al-wasl | 75.2% | AED 2.36M | 43 | |
| meaisem-first | 75.1% | AED 900K | 244 | |
| al-yufrah-2 | 74.8% | AED 1.95M | 14 | |
| zaabeel-second | 74.3% | AED 2.53M | 23 | |
| al-jadaf | 73.6% | AED 822K | 74 | |
| marsa-dubai | 73.5% | AED 1.56M | 468 | |
| burj-khalifa | 73.0% | AED 2.07M | 278 | |
| al-hebiah-second | 72.7% | AED 470K | 73 | |
| al-kheeran | 72.6% | AED 2.11M | 15 | |
| al-hebiah-third | 72.5% | AED 2.46M | 154 | |
| Business Bay | 72.4% | AED 1.18M | 483 | |
| wadi-al-safa-5 | 72.3% | AED 2.46M | 402 | |
| al-yufrah-1 | 71.6% | AED 2.46M | 140 | |
| al-hebiah-fourth | 71.5% | AED 800K | 244 | |
| al-hebiah-sixth | 70.8% | AED 2.46M | 162 | |
| al-barshaa-south-second | 70.7% | AED 788K | 65 | |
| Palm Jumeirah | 70.2% | AED 2.88M | 152 | |
| al-thanyah-third | 69.0% | AED 1.57M | 117 | |
| al-thanyah-first | 68.0% | AED 1.48M | 23 | |
| al-thanyah-fifth | 67.7% | AED 1.16M | 254 | |
| al-khairan-first | 67.1% | AED 1.57M | 228 | |
| Dubai Investment Park Second | 66.8% | AED 2.46M | 50 | |
| al-barsha-south-fifth | 66.4% | AED 720K | 171 | |
| hadaeq-sheikh-mohammed-bin-rashid | 65.7% | AED 1.69M | 315 | |
| wadi-al-safa-3 | 65.7% | AED 2.46M | 224 | |
| al-satwa | 65.1% | AED 1.44M | 11 | |
| al-thanayah-fourth | 64.7% | AED 2.46M | 113 | |
| wadi-al-safa-7 | 63.8% | AED 2.46M | 103 | |
| jabal-ali-industrial-second | 63.1% | AED 357K | 10 | |
| nad-al-hamar | 62.5% | AED 2.50M | 12 | |
| Mirdif | 62.1% | AED 2.40M | 20 | |
| hor-al-anz | 61.4% | AED 2.46M | 14 | |
| world-islands | 60.9% | AED 980K | 10 | |
| wadi-al-safa-4 | 60.6% | AED 2.40M | 10 | |
| al-kifaf | 60.1% | AED 1.79M | 26 | |
| al-mizhar-first | 55.9% | AED 2.46M | 10 | |
| al-bada | 55.6% | AED 2.46M | 13 | |
| wadi-al-safa-6 | 54.5% | AED 2.46M | 99 | |
| bukadra | 54.0% | AED 915K | 24 | |
| al-warqa-third | 53.1% | AED 2.46M | 11 | |
| nad-al-shiba-third | 51.7% | AED 2.48M | 12 | |
| nad-al-shiba-first | 49.2% | AED 2.46M | 56 | |
| jumeirah-second | 48.2% | AED 2.52M | 12 | |
| zaabeel-first | 48.2% | AED 5.29M | 14 | |
| Dubai Investment Park First | 47.0% | AED 2.46M | 51 | |
| jumeirah-first | 46.9% | AED 2.46M | 34 | |
| al-ttay | 46.5% | AED 2.52M | 12 | |
| saih-shuaib-2 | 42.9% | AED 390K | 11 | |
| al-barsha-second | 41.3% | AED 2.50M | 10 | |
| saih-shuaib-4 | 41.1% | AED 2.50M | 18 | |
| nad-al-shiba-fourth | 41.0% | AED 2.43M | 10 | |
| island-2 | 39.9% | AED 13.00M | 11 | |
| al-karama | 39.2% | AED 2.40M | 10 | |
| saih-shuaib-1 | 38.8% | AED 2.50M | 254 | |
| al-warsan-second | 36.4% | AED 2.51M | 10 | |
| al-barsha-third | 35.6% | AED 2.48M | 11 | |
| al-yelayiss-5 | 35.1% | AED 2.50M | 133 | |
| al-khawaneej-first | 34.9% | AED 2.50M | 10 | |
| um-suqaim-first | 31.3% | AED 2.46M | 11 | |
| Palm Deira | 27.7% | AED 2.40M | 50 | |
| al-mamzer | 26.7% | AED 2.46M | 13 | |
| meaisem-second | 24.0% | AED 2.46M | 10 | |
| ghadeer-al-tair | 22.5% | AED 2.43M | 13 | |
| um-al-sheif | 21.4% | AED 2.50M | 15 |
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: 25/06/2026.