Is Zakat obligatory on invested money, most of which comes from selling gold that was previously paid Zakat on, given the existence of a bank loan for purchasing an apartment? And is it obligatory on an employee's savings fund from which one can borrow and which is not fully disbursed until after service termination? And how is Zakat to be paid, and to whom is it distributed if it is obligatory?

Zakat is obligatory on wealth if it reaches the nisab (minimum threshold) and a hawl (lunar year) passes over it, whether it is owned by the husband or the wife. Any money or trade goods owned by the same person are added to it. It is not permissible to pay Zakat only once; rather, it must be paid at the end of each hawl, unless the wealth falls below the nisab.

There is a difference of opinion regarding deducting debt from Zakat-eligible wealth, and the more cautious approach is not to deduct it. Zakat is paid by calculating one-quarter of one-tenth (2.5%) of the wealth on which Zakat is due. The profit from mudarabah (partnership) is subject to Zakat along with the principal wealth. For Zakat on savings fund money or end-of-service benefits, specific fatwas (religious edicts) should be consulted.