Ruling on the zakah of used gold and stored gold
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Question:
I own some gold jewelry that exceeds the nisab, but I do not use all of it, as I keep some of it to benefit my sons when they get married, since they are still in the stage of education, and money is quickly spent, unlike gold.
My question is: Do I have to pay zakah on the portion I do not use, even if it does not reach the nisab? Or is it obligatory for me to pay zakah on all the gold I own?
Answer:
The correct view is that you are obligated to pay zakah on all of it. Some scholars have held that there is no zakah on jewelry that is used, but that is the weaker opinion. The correct view, based on the evidence of the Shari'ah, is that jewelry is subject to zakah, whether it is stored, used, or lent out.
Therefore, it is obligatory to pay zakah on it if it reaches the nisab. The nisab is twenty mithqals of gold, which amounts to eleven Saudi riyals and three-sevenths of a riyal. If the jewelry reaches this amount, zakah becomes obligatory on it, being one-quarter of one-tenth every year.
So if the jewelry amounts to ten thousand, then two hundred and fifty is due on it, which is one-quarter of one-tenth, and so on. If you pay zakah on this amount, that is what is obligatory on it, and likewise for any amount exceeding it.
As for if it is less than that, then nothing is due on it; because the nisab is a condition for the obligation of zakah. It is established from the Messenger of Allah (peace and blessings be upon him) that he said:. The hadith is agreed upon as authentic.
A woman came to him (peace and blessings be upon him) with her daughter, and on her hand were two gold bracelets. He said: She said: No. He said: Sunan Abi Dawud 1563Hasan (Al-Albani) So she threw them down and said: They are for Allah and His Messenger.
Umm Salimah (may Allah be pleased with her) asked him, and she used to wear gold ornaments. She said: O Messenger of Allah, is this hoarded wealth? He (may the prayers and peace of Allah be upon him) said:.
This indicates that what is not subject to zakah is considered hoarded wealth, and its owner deserves punishment. Jewelry that is not subject to zakah is among the hoarded wealth, such as stored coins and stored pieces of gold, which are called hoarded wealth, even if it is on the surface of the earth, and even if it is in visible storage—boxes—and anything that is not subject to zakah and is from the wealth subject to zakah is considered hoarded wealth, and its owner will be punished with it on the Day of Resurrection. So you, O sister, must pay zakah on both the stored and the worn jewelry. May Allah guide you.
I own some gold jewelry that exceeds the nisab, but I do not use all of it, as I keep some of it to benefit my sons when they get married, since they are still in the stage of education, and money is quickly spent, unlike gold.
My question is: Do I have to pay zakah on the portion I do not use, even if it does not reach the nisab? Or is it obligatory for me to pay zakah on all the gold I own?
Answer:
The correct view is that you are obligated to pay zakah on all of it. Some scholars have held that there is no zakah on jewelry that is used, but that is the weaker opinion. The correct view, based on the evidence of the Shari'ah, is that jewelry is subject to zakah, whether it is stored, used, or lent out.
Therefore, it is obligatory to pay zakah on it if it reaches the nisab. The nisab is twenty mithqals of gold, which amounts to eleven Saudi riyals and three-sevenths of a riyal. If the jewelry reaches this amount, zakah becomes obligatory on it, being one-quarter of one-tenth every year.
So if the jewelry amounts to ten thousand, then two hundred and fifty is due on it, which is one-quarter of one-tenth, and so on. If you pay zakah on this amount, that is what is obligatory on it, and likewise for any amount exceeding it.
As for if it is less than that, then nothing is due on it; because the nisab is a condition for the obligation of zakah. It is established from the Messenger of Allah (peace and blessings be upon him) that he said:
There is no owner of gold or silver who does not pay its right, except that on the Day of Resurrection, plates of fire will be made for him, and he will be branded with them on his side, his forehead, and his back, on a day whose measure is fifty thousand years. Then he will see his path, either to Paradise or to the Fire.
ما من صاحب ذهب ولا فضة لا يؤدي حقها، إلا إذا كان يوم القيامة صفحت له صفائح من نار، فيكوى بها جنبه وجبينه وظهره في يوم كان مقداره خمسين ألف سنة، ثم يرى سبيله إما إلى الجنة وإما إلى النارA woman came to him (peace and blessings be upon him) with her daughter, and on her hand were two gold bracelets. He said:
Do you give the zakah of this?
أتعطين زكاة هذا؟Are you pleased that Allah may put two bangles of fire on your hands?
أيسرك أن يسورك الله بهما يوم القيامة سوارين من نار؟Umm Salimah (may Allah be pleased with her) asked him, and she used to wear gold ornaments. She said: O Messenger of Allah, is this hoarded wealth? He (may the prayers and peace of Allah be upon him) said:
Whatever reaches the amount where zakah is due, if zakah is paid on it, it is not a treasure.
ما بلغ أن يزكى فزكي فليس بكنزThis indicates that what is not subject to zakah is considered hoarded wealth, and its owner deserves punishment. Jewelry that is not subject to zakah is among the hoarded wealth, such as stored coins and stored pieces of gold, which are called hoarded wealth, even if it is on the surface of the earth, and even if it is in visible storage—boxes—and anything that is not subject to zakah and is from the wealth subject to zakah is considered hoarded wealth, and its owner will be punished with it on the Day of Resurrection. So you, O sister, must pay zakah on both the stored and the worn jewelry. May Allah guide you.
Source
binbaz.org.sa
The Arabic text is copied verbatim from the original source, without any edits.