Is zakat permissible on mortgaged property if the beneficiary of the mortgage is the house and not the money?

It is forbidden for the mortgagee to benefit from the mortgaged house if it is in exchange for a loan, because that is usury (riba). However, if it is in exchange for a debt from a sale, it is permissible to benefit from it with the permission of the mortgagor according to the Hanbalis, and on condition that this is stipulated in the contract according to the Malikis. If you benefited from the house while it was in exchange for a loan, then you must calculate the rent for the period you benefited from it and deduct it from the mortgagor's debt.