Is zakat obligatory on money whose source is a debt that is still being paid off, knowing that part of it was lost in stocks and the other part was invested in a real estate partnership that will not be returned until after three years, and all the money was put into building a house, in addition to the existence of other debts?
The majority of scholars hold that debt prevents the obligation of zakat on internal wealth (gold, silver, cash, trade goods). Therefore, you are not obligated to pay zakat as long as your debt encompasses all of your wealth, provided you do not possess other wealth that can cover the debt.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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