What is the zakat due on money and gold kept in savings, on a financial loan, and on a house, land, and home bought in installments?

Zakat is obligatory on gold that is in use if it reaches the nisab, and its hawl (one lunar year) is calculated from the time the money used to purchase it was acquired. If its zakat is not paid, it remains a debt owed. A house purchased for residence is not subject to zakat. However, if it was purchased with the intention of selling it when its price increases, zakat is obligatory on it by assessing its value at the time of the hawl. The debt is then deducted, and one-quarter of one-tenth (2.5%) is given as zakat for each year. Zakat is not waived due to the passage of time. Zakat is obligatory on land and a house if they were purchased with the intention of trade. It is estimated at one-quarter of one-tenth (2.5%) of their value after deducting any debt. In partnerships, the share of each partner is considered individually. If a partner's share reaches the nisab and a hawl passes on it, zakat becomes obligatory on them; otherwise, it does not.