Is setting the first of Ramadan as the date for paying Zakat correct, even if one deposited their last salary a few days before Ramadan, and is the remaining loan amount deducted from the Zakat calculation?

- It is not permissible to deposit money in interest-based banks except out of necessity for its preservation and without interest.

- Zakat becomes immediately obligatory upon the completion of a full year (hawl) on the possession of the niṣāb, and it is not permissible to delay it when one is able, unless it is disbursed in advance before the end of the hawl.

- Disbursing zakat on all money, including the last month's salary, is the safest and easiest way to give zakat on savings from one's salary.

- Repentance and riddance from interest-based loans are obligatory.

- Debt is not deducted from the money on which zakat is due; thus, the entire amount of money must be purified with zakat.