The wealth reached the nisab and a lunar year has passed over it, and he has debts

Question:
Please, my brother Abu Ali, come on to the line. Peace be upon you and Allah's mercy. Peace be upon you and Allah's mercy. And Allah's mercy. How are you, Shaykh? Shaykh, I have checks worth one hundred thousand riyals. I have a debt worth forty-five thousand riyals. So, if a lunar year passes over these checks, do I pay zakah on the full amount, or do I deduct the value of this debt that is on me? Yes, Shaykh Salih. Good. Yes. He says: Shaykh, he has checks worth one hundred thousand riyals, and he says he has a debt of forty-five thousand riyals. If a lunar year passes over the checks, which are worth one hundred thousand riyals, how does he pay zakah on the remainder?

Answer:
If he paid off the debt before the completion of the lunar year, and a remainder of the wealth stayed with him, then he pays zakah on the remainder. But if the lunar year passed before he paid off any of the debt and he has wealth, then it is obligatory for him to pay zakah on the full amount of the wealth to give one-quarter of a tenth, which is two and a half percent, because the conditions for the obligation of zakah are present in it: reaching the nisab, the completion of the lunar year, he owns it, and he did not pay it off before the completion of the lunar year. Yes.