Is Zakat obligatory on money designated for building a house, for which a building permit has not yet been obtained, and from which withdrawals are made for living expenses due to insufficient salary?

If the money saved for building a house reaches the nisab (minimum threshold) and a full lunar year passes over it without decreasing, then zakat is obligatory on it, according to the majority of jurists, whether it is gold, silver, or paper currency. This is based on the general evidence indicating the obligation of zakat on money that reaches the nisab, such as the Almighty's saying: "And those who hoard gold and silver and spend it not in the way of Allah – give them tidings of a painful punishment." And the Prophet, peace be upon him, said: "There is no owner of gold or silver who does not pay its zakat but that it will be heated on the Day of Resurrection and made into plates of fire, with which his side, forehead, and back will be seared on a Day the extent of which is fifty thousand years. Then he will see his path, either to Paradise or to Hell." Hanafī jurists disagreed, not obligating zakat on money allocated for essential needs like housing. The opinion of the majority is more preponderant due to its conformity with general principles and because it is more cautious and absolves one's responsibility. Zakat does not decrease wealth; rather, it increases it.