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
68%
2026Q3
Median loan
AED 1.49M
DLD-registered
Areas covered
71
1,850 buildings
Financed sales
6,978
Current quarter sample
Dubai-wide LTV trend
Volume-weighted median across all areas · last 16 quarters
| Community | Median LTV | Median loan | Sample | |
|---|---|---|---|---|
| al-yufrah-3 | 86.2% | AED 1.89M | 11 | |
| al-hebiah-fifth | 83.9% | AED 2.40M | 282 | |
| al-bada | 82.3% | AED 2.40M | 10 | |
| al-hebiah-second | 79.9% | AED 450K | 47 | |
| al-safouh-first | 77.7% | AED 2.30M | 12 | |
| al-goze-fourth | 77.6% | AED 580K | 14 | |
| meaisem-first | 77.4% | AED 604K | 147 | |
| al-yelayiss-2 | 77.0% | AED 1.02M | 153 | |
| warsan-fourth | 76.9% | AED 403K | 49 | |
| al-yelayiss-1 | 76.4% | AED 2.40M | 291 | |
| al-thanyah-first | 76.0% | AED 1.08M | 10 | |
| Dubai Investment Park Second | 75.1% | AED 2.40M | 44 | |
| madinat-hind-4 | 75.1% | AED 2.40M | 28 | |
| jabal-ali-first | 75.0% | AED 912K | 291 | |
| al-barshaa-south-third | 74.8% | AED 724K | 178 | |
| jabal-ali-industrial-second | 74.0% | AED 504K | 20 | |
| al-barsha-south-fourth | 73.4% | AED 728K | 722 | |
| nadd-hessa | 73.0% | AED 680K | 162 | |
| al-yufrah-1 | 72.5% | AED 2.40M | 138 | |
| um-suqaim-third | 72.3% | AED 1.76M | 24 | |
| wadi-al-safa-2 | 72.2% | AED 727K | 61 | |
| al-merkadh | 71.4% | AED 1.03M | 302 | |
| Business Bay | 70.4% | AED 1.03M | 382 | |
| al-jadaf | 70.3% | AED 920K | 84 | |
| al-warsan-first | 70.3% | AED 392K | 62 | |
| al-barsha-south-fifth | 70.0% | AED 896K | 68 | |
| al-barshaa-south-second | 70.0% | AED 675K | 32 | |
| al-yufrah-2 | 68.8% | AED 1.93M | 13 | |
| al-kifaf | 68.7% | AED 2.00M | 22 | |
| al-hebiah-sixth | 68.6% | AED 2.40M | 131 | |
| wadi-al-safa-5 | 68.6% | AED 2.40M | 295 | |
| al-wasl | 68.2% | AED 2.16M | 53 | |
| burj-khalifa | 68.0% | AED 2.00M | 247 | |
| al-thanyah-fifth | 67.3% | AED 1.18M | 115 | |
| al-hebiah-first | 67.0% | AED 1.02M | 70 | |
| madinat-dubai-almelaheyah | 67.0% | AED 1.69M | 10 | |
| al-safouh-second | 66.7% | AED 3.10M | 21 | |
| al-satwa | 66.5% | AED 1.26M | 17 | |
| ras-al-khor-industrial-first | 66.3% | AED 1.07M | 12 | |
| al-hebiah-third | 66.1% | AED 993K | 114 | |
| saih-shuaib-2 | 66.1% | AED 688K | 49 | |
| al-khairan-first | 65.3% | AED 1.70M | 157 | |
| al-thanyah-third | 65.2% | AED 1.64M | 88 | |
| al-hebiah-fourth | 64.9% | AED 680K | 171 | |
| wadi-al-safa-3 | 63.4% | AED 1.28M | 174 | |
| Palm Jumeirah | 62.5% | AED 2.82M | 80 | |
| marsa-dubai | 62.0% | AED 1.50M | 425 | |
| nad-al-hamar | 61.9% | AED 2.40M | 11 | |
| trade-center-second | 61.3% | AED 2.70M | 12 | |
| Mirdif | 60.1% | AED 1.44M | 28 | |
| zaabeel-second | 58.9% | AED 2.03M | 13 | |
| muhaisanah-first | 56.9% | AED 1.00M | 11 | |
| hadaeq-sheikh-mohammed-bin-rashid | 56.7% | AED 1.45M | 275 | |
| madinat-al-mataar | 54.9% | AED 2.40M | 302 | |
| al-rowaiyah-first | 54.8% | AED 2.40M | 111 | |
| wadi-al-safa-4 | 53.9% | AED 2.40M | 35 | |
| wadi-al-safa-7 | 50.5% | AED 2.40M | 57 | |
| al-thanayah-fourth | 50.3% | AED 2.40M | 66 | |
| jumeirah-first | 50.0% | AED 1.97M | 17 | |
| al-kheeran | 49.6% | AED 1.85M | 16 | |
| Dubai Investment Park First | 48.0% | AED 2.40M | 20 | |
| al-khawaneej-first | 43.3% | AED 2.40M | 12 | |
| nad-al-shiba-first | 42.9% | AED 2.40M | 43 | |
| zaabeel-first | 42.8% | AED 4.99M | 10 | |
| wadi-al-safa-6 | 39.7% | AED 2.40M | 48 | |
| bukadra | 39.0% | AED 789K | 26 | |
| saih-shuaib-1 | 36.6% | AED 2.40M | 28 | |
| ghadeer-al-tair | 24.7% | AED 2.40M | 101 | |
| island-2 | 23.7% | AED 14.42M | 13 | |
| meaisem-second | 23.2% | AED 2.40M | 11 | |
| um-al-sheif | 21.2% | AED 2.48M | 13 |
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: 25/09/2026.