What wealth from the deceased's estate is subject to Zakat, and what is the specific date for Zakat? Is Zakat due on an apartment purchased with insurance money, and how is it calculated? Can a charitable endowment (waqf) be designated from Zakat funds? Is it possible to unify the Zakat payment date for all assets? Is Zakat on an apartment calculated based on its paid value or market value, and how is it paid if it is for retention and does not generate income? Is Zakat due on undeveloped building land? Can the marriage expenses of one of the brothers be deducted from the Zakat pool if he intends to marry soon?

Firstly: From the money obtained from a forbidden commercial insurance policy, only the installments paid by your father or his company are permissible for you.

Secondly: Delaying the division of inheritance is permissible by mutual consent, but it is obligatory to comply if one of the heirs requests their share, and the money of minors, if present, must be safeguarded.

Thirdly: There is no zakat on inherited apartments and lands because they are for personal use (qinyah) and not trade goods.

Fourthly: Zakat is obligatory on inherited cash amounts in the bank (provided it is not placed in an interest-based bank) or in mudarabah, for every heir whose share reaches the nisab and upon which a full lunar year has passed. The year is counted from the date of the father's death.

Fifthly: It is not permissible to delay zakat after it becomes due, but it is permissible to pay it in advance before it becomes due. It is also permissible to unify the time of zakat payment for money with different due times, provided that this does not lead to the delay of some zakat.

Sixthly: Money paid as an installment for an apartment has no zakat on it because it has left ownership. What remains of it is added to other funds and zakat is paid on it if a full year passes. The debt owed for the apartment is not deducted from the zakat-eligible funds.

Seventhly: An apartment purchased with the intention of trade (an istisna' contract) is subject to zakat every year based on its market value (one-quarter of a tenth), and its non-receipt does not affect this. Its hawl (zakat year) is the same as the hawl of the money with which it was purchased.

Eighthly: If there is no money to pay zakat, it must be paid for the past period upon the sale of the apartment.

Ninthly: Zakat must be given to its rightful beneficiaries, and it is not permissible to withhold it for a charity project.

Tenthly: The intention of marriage or spending does not affect the amount of zakat if it is due on the money, unless the money was actually spent before the hawl was completed.