Zakaat

Q: In our time, there are wealthy Muslims to take out loans from the bank for tens of millions of rands for the purpose of business, e.g. constructing an apartment block. Or taking out a mortgage for buying a home. Please advise:

(1) If the amount loaned exceeds their Zakaat asset value, does that mean these Muslims do not have to pay Zakaat, and that they are also eligible to receive Zakaat?

(2) Likewise, is it better for them to use money to pay off debts or Nafl Sadaqah/Lillah projects?

Q: I read somewhere that you can deduct one years worth of "bond" or car repayments from the Zakaat calculation. I have a car and house bond with an Islamic bank. Can you deduct the next 12 months repayments from the Zakaat calculation?

Q: Please advise regarding security deposits paid to the municipality or landlord. Do I include it in calculating my assets for nisaab amount? How would this affect the receiving or payment of Zakaat?

Q: I have a plot for investment purposes worth 70 lac rupees. How much zakat do I have to pay on it?

Q: Instead of paying zakaat with cash, can a person give goods to that amount that the recipient needs?

Would it be permissible to give someone a device that they need?

Q: My sister has separated from her husband. She and her three kids are living with my brother and his family (i.e. wife and two little daughters) in one bedroom appartment in London. Her husband has not yet given her divorce but also does not pay for anything for the kids either. She herself is not working at the moment. Can I pay my zakaat to her or it will only be considered as sadaqah?

Q: My father passed away in 2021 and, we, the heirs (mother, and 3 brothers, all adults) inherited property and cash as per shariah.

1.The cash was given by us to our mother. We made her the owner of that cash.

2. The property inherited (2 x 5 marla plots) are combined property of our mother and 3 brothers, the net worth of shares is above the nisaab.

Our mother pays yearly zakat as well as Qurbaani.

The question, Is it compulsory for us 3 brothers to pay zakat and qurbaani, provided that our indiviual monthly incomes/savings are less than the amount of nisaab (cannot even buy or share an animal for sacrifice and neither of us can move/sell, the shares of property, or use for any business means). Will zakat and Qurbani be applicable on this sort of shared property?

Q: Parents save money in a bank for their one child. The age of the child is seven years old. They do not give any zakah for that money. If parents ask the child may we use this money for this (something) purpose and the child says yes, can they use it with the child's permission? Can they do qurbani from that money?

Q: Can an organisation use the zakaat funds it has collected to pay the salaries of its Imaams, Muazzins, Ustaads, Security and Cleaners?

Q: At the moment I am in alot of debt. My buinesses closed during covid and I have tried to restart them but at the moment I am in alot of debt, on the businesses as well as on my house which is bonded. If I do sell my house, it won't add up to the amount of the debt but if I can pay off my debt then insha Allah I can be able to pay zakaat going forwards. I don't have an income for now. Is it possible to receive zakaat to pay off my debts?