Is zakat obligatory on the full value of the investment certificate and its return, as well as the value of the chalet, or is the financing amount deducted from the certificate's value and zakat calculated on the remainder?
Sincere repentance is necessary for borrowing and lending with usury, working in an interest-based bank, and disposing of acquired usurious gains by giving them to the poor and needy.
If the chalet is received, there is no on its value, but rather on what is earned from it. It is added to other cash if the total reaches the and a year has passed over it. The nisab is equivalent to 85 grams of pure gold. Debt prevents the obligation of zakat on internal assets. If the debt does not reduce the nisab, it is deducted from the zakat money by its amount. Another asset (such as the value of the chalet) is allocated to offset the debt, so that the money can be subject to zakat.
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