Is zakat permissible on mortgaged property if the beneficiary of the mortgage is the house and not the money?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
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.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/99369
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 99369
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy