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%

2026Q3

Median loan

AED 1.52M

DLD-registered

Areas covered

1,824 buildings

Financed sales

2,929

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	85.0%	AED 2.38M	115
al-bada	82.3%	AED 2.38M	10
al-barshaa-south-second	80.3%	AED 728K	12
al-hebiah-second	78.7%	AED 425K	28
warsan-fourth	77.9%	AED 406K	24
al-safouh-first	77.7%	AED 2.04M	12
muhaisanah-first	77.1%	AED 1.91M	11
al-yufrah-1	76.8%	AED 2.38M	62
jabal-ali-first	76.5%	AED 840K	135
al-barshaa-south-third	76.1%	AED 713K	84
Dubai Investment Park Second	76.1%	AED 2.38M	21
al-yelayiss-2	74.6%	AED 1.04M	75
al-thanyah-third	74.3%	AED 1.50M	37
al-warsan-first	73.8%	AED 400K	15
al-wasl	73.8%	AED 2.74M	27
al-jadaf	73.2%	AED 784K	41
nadd-hessa	72.4%	AED 576K	61
al-merkadh	71.0%	AED 1.03M	123
wadi-al-safa-5	70.7%	AED 2.38M	119
al-hebiah-first	70.6%	AED 896K	34
al-barsha-south-fourth	70.0%	AED 749K	306
wadi-al-safa-2	69.9%	AED 744K	35
Business Bay	69.5%	AED 988K	170
al-hebiah-sixth	69.0%	AED 2.38M	36
al-hebiah-fourth	68.8%	AED 750K	70
al-yufrah-2	68.8%	AED 1.93M	13
al-yelayiss-1	68.1%	AED 2.38M	129
al-kifaf	68.0%	AED 2.14M	23
madinat-hind-4	67.8%	AED 2.38M	14
al-thanyah-fifth	67.5%	AED 1.05M	49
al-goze-fourth	67.3%	AED 680K	10
burj-khalifa	67.2%	AED 1.75M	100
al-hebiah-third	67.1%	AED 2.38M	47
meaisem-first	66.4%	AED 700K	43
saih-shuaib-2	66.1%	AED 2.38M	49
al-thanyah-first	64.0%	AED 1.48M	19
al-safouh-second	63.3%	AED 1.89M	15
madinat-al-mataar	62.6%	AED 2.38M	114
zaabeel-second	62.5%	AED 2.32M	16
al-khairan-first	61.9%	AED 1.56M	69
nad-al-hamar	61.9%	AED 2.38M	11
marsa-dubai	61.8%	AED 1.51M	203
um-suqaim-third	61.7%	AED 1.59M	30
trade-center-second	61.3%	AED 2.04M	12
Palm Jumeirah	61.0%	AED 3.20M	30
jabal-ali-industrial-second	60.9%	AED 416K	11
Mirdif	60.3%	AED 2.38M	18
wadi-al-safa-3	59.5%	AED 2.38M	73
wadi-al-safa-4	56.0%	AED 2.38M	15
Dubai Investment Park First	55.3%	AED 2.31M	12
hadaeq-sheikh-mohammed-bin-rashid	54.6%	AED 1.51M	124
madinat-dubai-almelaheyah	53.1%	AED 1.41M	11
al-satwa	50.2%	AED 1.26M	12
al-barsha-south-fifth	50.1%	AED 795K	26
al-kheeran	49.6%	AED 1.90M	16
jumeirah-first	48.8%	AED 2.38M	10
al-thanayah-fourth	48.6%	AED 2.38M	34
wadi-al-safa-7	44.6%	AED 2.38M	26
al-khawaneej-first	43.3%	AED 2.39M	12
zaabeel-first	42.8%	AED 4.79M	10
bukadra	42.5%	AED 888K	33
nad-al-shiba-first	41.4%	AED 2.38M	21
saih-shuaib-1	37.6%	AED 2.38M	265
wadi-al-safa-6	31.9%	AED 2.38M	22
ghadeer-al-tair	24.7%	AED 2.38M	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: 11/08/2026.