How can Zakat be paid on an amount saved to buy a house, knowing that paying Zakat will affect the saved amount?

Whoever possesses the nisab and a hawl (full lunar year) passes over it, zakat becomes obligatory upon him, even if the money is earmarked for building a house, marriage, or Hajj, due to the generality of the proofs for its obligation. The nisab for banknotes is equivalent to the value of 595 grams of silver, and what is obligatory to give is 2.5% (a quarter of a tenth). Zakat is purification, growth, and solace for the poor, and it is a great obligation for which Allah has threatened those who abandon it with torment, as in His Almighty saying: (And those who hoard gold and silver and do not spend it in the way of Allah – give them tidings of a painful punishment). Hoarding refers to any wealth upon which zakat is due but has not been paid. It does not decrease wealth; rather, it increases and blesses it. A Muslim must pay the zakat on his wealth in full, whether it is cash or banknotes, even if it is allocated for expenses or buying a house. Some types of wealth are not subject to zakat, such as a residential house and a personal car. It is not permissible to be complacent regarding the matter of zakat.