Category: Charity, Obligatory (Zakaat)
Fatwa#: 36264
Asked Country: United States

Answered Date: Mar 12,2018

Title: Zakaat on debt


Assalamu Aleykum

My question is about Zakat Al Mal.

I made a loan of $20,000 from a bank (No interest).

I have a salary of $7500 / month. I pay the bank monthly. But when I pay my loan to the bank (monthly) I make sure my balance in my checking account is above a certain amount (~$500) just to be safe not to fall in negative balance. The $500 are above the Nissab. Should I pay my Zakat for $500 if they make the full cycle? knowing that I still owe the bank way above what I have in my checking account.

JAzakum Allahu Khayran

A-H Abu Mohamed


In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, a person will be liable to give Zakat when one’s wealth reaches the Nisaab (threshold with which one will be liable to give Zakat).[i] The Nisaab is 87.479 grams of gold and 612.35 grams of silver, or its equivalent in cash.[ii] Thereafter, the following year, on the same date of the lunar calendar, one will have to give Zakat if one has Zakatable assets equivalent to the Nisaab on that date each year.[iii] Zakat will be liable on gold and silver, cash in hand and trading stock

Long term loans do not prevent the obligation of Zakat whereas short term loans prevent the obligation of Zakat. Therefore, if someone is paying off a long-term debt such as a mortgage, then the debt of one year will be exempt from Zakat. For example, if someone is repaying a mortgage and pays $5000 annually, then this amount is exempt from Zakat.[iv]

In the enquired situation, if you have cash in hand which is more than the Nisaab on your annual date of Zakat, then you will deduct the short-term debts (those which will be paid in one year) from your cash in hand. Thereafter if you still have the Nisaab amount, then you will pay Zakat on that amount.



And Allah Ta’āla Knows Best


Student Darul Iftaa 



Checked and Approved by,
Mufti Ebrahim Desai



Ahsanul Fatawa 4/264


 Fatawa Mahmudiyah 9/313

Ahsanul fatawa 4/265

يس فيما دون مائتي درهم صدقة فإذا كانت مائتي درهم وحال عليها الحول ففيها خمسة دراهم

باب زكاة العروض

الزكاة واجبة في عروض التجارة كائنة ما كانت إذا بلغت قميتها نصابا من الذهب أو الورق يقومها بما هو أنفع للفقراء والمساكين منهما

وإذا كان النصاب كاملا في طرفي الحول فنقصانه فيما بين ذلك لا يسقط الزكاة

وتضم قيمة العروض إلى الذهب والفضة وكذلك يضم الذهب إلى الفضة بالقيمة حتى يتم النصاب عند أبي حنيفة

 مختصر القدوري – مكتبة البشرى (ص: 169) 



فتاوى عثماني 4/70-71

جديد فقهي مساءل 2/40


قوله أو مؤجلا إلخ) عزاه في المعراج إلى شرح الطحاوي، وقال: وعن أبي حنيفة لا يمنع. وقال الصدر الشهيد: لا رواية فيه، ولكل من المنع وعدمه وجه. زاد القهستاني عن الجواهر: والصحيح أنه غير مانع

الدر المختار وحاشية ابن عابدين (رد المحتار) (2/ 261)


جواهر الفتاوى ق30/ب (ملك سعود 1437) 

"أما الدين المؤجل بتأخير صاحب الحق، هل يمنع وجوب الزكاة؟

اختلف المشايخ والصحيح أنه لا يمنع، ذكره القاضي صدر الدين". انتهى



أما القاضي صدر الدين فهو صدر الأئمة والدين القاضي أبو المعالي بن أبي اليسر البزدوي، واسمه أحمد بن محمد البزدوي البخاري، المعروف بقاضي الصدر و القاضي صدر الدين، توفي بسرخس سنة 542هـ

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