Zakaat

Receiving zakaat if one does not have zakaat nisaab

Q: A person has two out buildings on his property which he rents out. One is attached to the house which he is living in, he is also earning a salary. His total monthly income is more than double the zakaat nisaab amount. However, by the middle of the month, he doesn’t have any money left. He also owes his wife and some relatives some money. Is it permissible for such a person to accept Zakaat?

Paying zakaat monthly

Q: For better distribution and reaching to deserving people, is it allowed if one delays payment or distribution of (zakat, charity and other due payment) not on the spot but regularly (monthly) to needy people. He will finish all due payments before the end of the Islamic year. If it is allowed and the person passes away during the year, will he be sinful.

The method of deducting zakaat from a loan

Q: My maid had to return me a loan of 70 thousand rupees. I made up my mind to give her 30 thousand from my zakat money. I had 15000 zakat amount with me, when I gave it to her, she asked how much is it? I said its 30,000 as by that time I totally forgot that it was 15,000 and not 30 thousand. She returned it to me without counting and said that deduct this amount 30k from your loan. Later I remembered the mistake.

Question: is 15k discharged as zakat, or 30k? Should I deduct 15k from the loan amount or 30k?