Date of Zakaat

Q: I want to pay my zakaat and I do not know the exact date. It was between February 18 and end of November when I was 9 years old. I am inclined towards more towards November that I became baligh. I do not know which date to choose. Which date must I choose?

Zakaat on Cash Kept in Trust By The Bank For the Seller

Q: One is in the process of purchasing a property and pays the deposit to a bank & not the seller of the property. The bank then issues a guarantee (to the sum of the cash deposited) in favour of the seller of the property. The guarantees will be paid over to the seller once the property is transferred into the purchaser’s name.
At one’s Zakaat date the property has not yet been transferred and the cash is still at the bank in the form of a guarantee. Is such cash then Zakaatable?

Calculation of Nisaab of Silver

Q: In the following article on your website: http://alhaadi.org.za/articles/qurbani/668-who-is-required-to-perform-q… is mentioned that "Every adult Muslim, male or female, who owns 613.35 grams of silver or its equivalent in money, personal ornaments, stock-in-trade or any other form of wealth which is surplus to his basic needs, is under an obligation to offer a Qurbani."
Can you please give the reference of Hadith or other authentic books as to how the figure of 613.35 has been deduced?

Zakaat on Various Bank Schemes

Q: Can you please advise the correct procedure for calculating Zakaat in the following situations?

  1. Murabaha Car Loan From Albaraka Bank

  2. Musharaka House Loan From Albaraka Bank for Investment Purposes

  3. Musharaka House Loan From Albaraka Bank for Personal Use

Is the total outstanding loan deducted, the loan for the year deducted or the loan for the month?

And do you first calculate how much of the property you own according to the Albaraka property share and pay zakaat on that portion only?

Women Covering their Faces In Ihraam

Q: I would like to find out that during the 5 days of Hajj, is it compulsory for women to cover the face since no clothing or cloth may touch the face. I have heard from several people that it is compulsory to cover the face even if the cloth touches the face and it would be compulsory to pay a separate amount of dumm specifically for this. Is this view correct and if so, what amount should one pay?