Is zakat obligatory on a gold necklace bought for a fiancée before consummating the marriage? How is it estimated, and upon whom is it obligatory? Is it permissible to delay its payment due to debts? Will I incur the sins of my future wife if I continue to advise her with kindness without commanding her regarding শরীয়াহ (Sharia) matters?

Summary of the Fatwa:

If the gold jewelry (Shabka) was given to the fiancée with the intention of transferring ownership, then it is her property. However, if it was given solely for adornment, it remains the property of the suitor.

Regarding the Suitor: If the Shabka is his property and he acquired it for permissible use (such as lending or renting) or acquired it without specific intent, there is no zakat due on it. If he acquired it for saving or for a forbidden or disliked use, then he must pay zakat on it annually according to its market value, unless he has a debt that reduces the nisab, or he does not have surplus money beyond his essential needs. There is no zakat on the girl's father for the grams he added to the Shabka, unless he intended it for saving or for a forbidden or disliked purpose.

Regarding the Fiancée (if the Shabka became her property): If she uses it for adornment and beautification, there is no zakat due on her. If she uses it for saving, then she must pay zakat on it.

General Rulings: Zakat is obligatory immediately and its delay is not permissible. The suitor must convince his fiancée of the Islamic ruling before asking her to sell part of the Shabka. Ordering one's wife to fulfill what Allah has made obligatory upon her is a duty of the husband.