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
67.5%
2026Q4
Median loan
AED 1.61M
DLD-registered
Areas covered
76
1,983 buildings
Financed sales
3,192
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 | 86.7% | AED 1.90M | 12 | |
| madinat-hind-4 | 85.6% | AED 2.44M | 24 | |
| al-hebiah-fifth | 84.1% | AED 2.44M | 107 | |
| jabal-ali-industrial-second | 80.0% | AED 492K | 24 | |
| nadd-hessa | 78.1% | AED 546K | 56 | |
| al-safouh-first | 78.0% | AED 1.00M | 16 | |
| wadi-al-safa-2 | 77.6% | AED 710K | 25 | |
| al-hebiah-second | 75.8% | AED 505K | 16 | |
| jabal-ali-first | 75.5% | AED 900K | 116 | |
| al-goze-fourth | 75.3% | AED 598K | 17 | |
| al-barshaa-south-third | 75.0% | AED 900K | 76 | |
| al-barsha-south-fourth | 74.9% | AED 752K | 266 | |
| al-bada | 74.8% | AED 2.44M | 12 | |
| Al Rashidiya | 74.7% | AED 2.44M | 10 | |
| Dubai Investment Park Second | 74.7% | AED 2.44M | 14 | |
| wadi-al-safa-5 | 74.2% | AED 2.44M | 134 | |
| al-yelayiss-2 | 73.6% | AED 880K | 77 | |
| Business Bay | 73.4% | AED 1.23M | 184 | |
| meaisem-first | 72.7% | AED 601K | 50 | |
| wadi-al-safa-3 | 72.7% | AED 1.31M | 98 | |
| al-kheeran | 72.3% | AED 2.42M | 11 | |
| al-warsan-first | 71.9% | AED 457K | 28 | |
| al-merkadh | 70.6% | AED 808K | 123 | |
| al-yelayiss-1 | 70.4% | AED 2.44M | 144 | |
| al-thanyah-fifth | 69.9% | AED 1.24M | 61 | |
| trade-center-second | 69.6% | AED 2.37M | 12 | |
| zaabeel-first | 69.6% | AED 7.95M | 10 | |
| al-barsha-south-fifth | 69.5% | AED 880K | 42 | |
| um-suqaim-third | 69.5% | AED 1.94M | 33 | |
| hadaeq-sheikh-mohammed-bin-rashid | 68.8% | AED 1.52M | 104 | |
| al-yufrah-2 | 68.7% | AED 1.95M | 15 | |
| al-hebiah-first | 68.5% | AED 1.02M | 35 | |
| burj-khalifa | 68.5% | AED 2.24M | 93 | |
| wadi-al-safa-4 | 67.1% | AED 704K | 10 | |
| al-hebiah-sixth | 66.1% | AED 2.44M | 50 | |
| saih-shuaib-2 | 66.1% | AED 688K | 61 | |
| al-kifaf | 65.6% | AED 2.15M | 24 | |
| nad-al-hamar | 65.6% | AED 1.78M | 14 | |
| al-hebiah-fourth | 65.2% | AED 596K | 73 | |
| zaabeel-second | 64.4% | AED 2.24M | 12 | |
| ras-al-khor-industrial-first | 63.5% | AED 540K | 19 | |
| al-thanyah-third | 63.4% | AED 1.55M | 40 | |
| marsa-dubai | 63.4% | AED 1.69M | 151 | |
| al-khairan-first | 62.8% | AED 1.56M | 79 | |
| al-hebiah-third | 62.4% | AED 880K | 62 | |
| al-satwa | 61.8% | AED 2.44M | 24 | |
| al-barshaa-south-second | 61.2% | AED 714K | 21 | |
| warsan-fourth | 60.9% | AED 420K | 16 | |
| hor-al-anz | 60.5% | AED 2.44M | 10 | |
| al-wasl | 60.4% | AED 1.66M | 18 | |
| Palm Jumeirah | 60.2% | AED 3.36M | 65 | |
| al-safouh-second | 60.0% | AED 2.34M | 25 | |
| al-thanyah-first | 59.8% | AED 840K | 23 | |
| madinat-al-mataar | 59.2% | AED 2.44M | 102 | |
| wadi-al-safa-7 | 59.0% | AED 2.44M | 34 | |
| al-jadaf | 58.5% | AED 649K | 35 | |
| al-yufrah-1 | 58.5% | AED 2.44M | 166 | |
| al-thanayah-fourth | 58.2% | AED 2.44M | 22 | |
| muhaisanah-first | 57.8% | AED 2.10M | 12 | |
| al-rowaiyah-first | 56.2% | AED 2.44M | 123 | |
| madinat-dubai-almelaheyah | 55.9% | AED 1.62M | 11 | |
| Mirdif | 54.2% | AED 2.44M | 19 | |
| jumeirah-first | 52.3% | AED 1.75M | 18 | |
| wadi-al-safa-6 | 48.9% | AED 2.44M | 18 | |
| Dubai Investment Park First | 48.0% | AED 2.44M | 23 | |
| al-mizhar-first | 47.0% | AED 2.44M | 11 | |
| al-khawaneej-first | 43.0% | AED 2.40M | 13 | |
| Palm Deira | 41.9% | AED 965K | 11 | |
| jumeirah-second | 39.0% | AED 10.26M | 11 | |
| saih-shuaib-1 | 36.7% | AED 2.44M | 33 | |
| bukadra | 34.8% | AED 690K | 14 | |
| nad-al-shiba-first | 32.4% | AED 2.44M | 36 | |
| island-2 | 23.7% | AED 13.00M | 13 | |
| meaisem-second | 22.4% | AED 2.41M | 13 | |
| ghadeer-al-tair | 22.1% | AED 2.40M | 10 | |
| um-al-sheif | 21.0% | AED 2.48M | 14 |
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: 04/11/2026.