Has the total amount of money collected for purchasing the apartment reached the Zakat threshold (nisab), and is Zakat obligatory upon it, knowing that it consists of donations from others to help with the purchase, and what is the amount of Zakat that must be given?
Zakat must be paid on money if it reaches the nisab (minimum threshold) and a full lunar year (hawl) has passed while it is in the owner's possession. The nisab for banknotes is approximately equivalent to 85 grams of pure gold or 595 grams of pure silver. It is necessary to know when the money reaches the nisab and to pay zakat on it when a full lunar year has passed, whether it was acquired through work or as a gift. Money acquired after the nisab has been reached (benefited money) is subject to zakat as follows: if it is not an increase from the original capital, it is given its own separate hawl or its hawl is made to coincide with the hawl of the original capital; if it is an increase from the original capital (like business profits), then it is subject to zakat when the hawl of the original capital is completed. The amount that must be paid is one-quarter of one-tenth (2.5%) of the money on which zakat became due. Delaying zakat after it becomes due requires seeking forgiveness, repentance, and promptly paying the due right. Saving money to buy an apartment does not prevent the obligation of zakat as long as it remains in possession and has not been spent until a full year has passed over it.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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