The ruling on a woman paying zakah on gold that she does not wear except on festive occasions

Question:
Our sister says: The women among us wear a lot of gold, especially on special occasions. But there is a large type of gold, meaning it is of a large size, such as the necklaces, bracelets, and anklets that are well known to us. A woman does not wear this type of gold except at wedding celebrations, but sometimes this type of gold is not used for a long period, which may reach two years. So, is it obligatory to pay zakah on this gold in that case? May Allah reward you with good.

Answer:
It is obligatory to pay zakah on it, even if it is used. This is the correct opinion among the scholars.
There is a disagreement among scholars regarding the zakah on gold and silver that is in use, with two opinions. One is that there is no zakah on it if it is used or lent out. The second opinion is that there is zakah on it, and this is the correct one. She must pay zakah on it every year, regardless of the amount, provided it reaches the nisab (minimum threshold) or more. Even if it is one hundred thousand, she pays one-fifth of one-tenth on it, so one hundred thousand becomes two thousand and five hundred. Unless it is less than eleven and a half hundred, less than ninety-two grams. If it is less than the nisab, there is nothing due on it. The nisab is ninety-two grams, meaning eleven and a half Saudi riyals. If it is less than this, there is nothing due on it. If it reaches this amount or more, then on the day of the tenth, even if it is a lot, even if it is a million, she owes zakah on it, whether she wears it or not. The obligation is zakah.