Ruling on the zakah of saved money and debts
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Question:
A listener sent a message saying: The sender is 'Abd al-Nasir Ahmad 'Ammar, Egyptian by nationality, and he works as a laborer in Buraydah in the Qasim region. Our brother says: I own an amount of about twenty thousand riyals, of which ten thousand is a loan with a person, and ten thousand is in my bank account, and a year has passed for both amounts. I need them to renovate a house for my children in Egypt, and I have not gone down to Egypt for two years in order to save this amount for my children. Please inform me whether zakah is due on them or not?
Answer:
Yes, the ten thousand kept in the bank, its zakah is one-quarter of a tenth, and one-quarter of a tenth of ten thousand is two hundred and fifty; because its tenth is one thousand and its quarter is two hundred and fifty.
As for the one with some of the brothers by way of a loan, if he is wealthy and not delaying, but whenever you ask for it he gives it to you, then its zakah is also due on you, like the other ten thousand, two hundred and fifty. But if he is poor and unable to do so, unable to return it to you, or if he is delaying and does not hasten to hand it over to you, but delays with you and harms you and does not give it to you, then its zakah is not obligatory on you until you receive it. So when you receive it, start a new lunar year with it. And if you pay its zakah for one year, for the past year, there is no harm, but it is not obligatory on you. So if you pay it and exercise caution, there is no harm.
The point is that there is no zakah on you if he is poor or delaying. But if he is wealthy and gives it to you whenever you ask for it, then its zakah is due on you like the ten thousand in the bank. Yes.
The presenter: May Allah reward you with good.
A listener sent a message saying: The sender is 'Abd al-Nasir Ahmad 'Ammar, Egyptian by nationality, and he works as a laborer in Buraydah in the Qasim region. Our brother says: I own an amount of about twenty thousand riyals, of which ten thousand is a loan with a person, and ten thousand is in my bank account, and a year has passed for both amounts. I need them to renovate a house for my children in Egypt, and I have not gone down to Egypt for two years in order to save this amount for my children. Please inform me whether zakah is due on them or not?
Answer:
Yes, the ten thousand kept in the bank, its zakah is one-quarter of a tenth, and one-quarter of a tenth of ten thousand is two hundred and fifty; because its tenth is one thousand and its quarter is two hundred and fifty.
As for the one with some of the brothers by way of a loan, if he is wealthy and not delaying, but whenever you ask for it he gives it to you, then its zakah is also due on you, like the other ten thousand, two hundred and fifty. But if he is poor and unable to do so, unable to return it to you, or if he is delaying and does not hasten to hand it over to you, but delays with you and harms you and does not give it to you, then its zakah is not obligatory on you until you receive it. So when you receive it, start a new lunar year with it. And if you pay its zakah for one year, for the past year, there is no harm, but it is not obligatory on you. So if you pay it and exercise caution, there is no harm.
The point is that there is no zakah on you if he is poor or delaying. But if he is wealthy and gives it to you whenever you ask for it, then its zakah is due on you like the ten thousand in the bank. Yes.
The presenter: May Allah reward you with good.
Source
binbaz.org.sa
The Arabic text is copied verbatim from the original source, without any edits.