Is zakat obligatory on the deferred dowry that has not been received after its due date has passed? And how is zakat paid on the installments received from it? And is the husband sinful if the wife does not pay zakat on the dowry in his possession? And what is the method of paying zakat on the price of gold that has been sold and deposited with the husband before and after purchasing new gold from him?

The deferred dowry (Mahr Mu'akhkhar) is a debt owed by the husband to the wife, and its zakat (definition) (obligatory charity) is due, like the zakat on all other debts, if it reaches the nisab (definition) (minimum threshold).

If the husband is capable and willing to pay, the fatwa (definition) (religious edict) is that the wife should pay its zakat upon receiving it for each year. Some say she should pay its zakat even if she has not received it, and this is the more cautious approach.

If the husband is procrastinating or unable to pay, the wife should pay its zakat upon receiving it. The more cautious approach is to pay zakat for all the preceding years, whether the debt is immediate or deferred.

The sin of delaying zakat falls upon the wife if the money is with the husband and she is able to take it. However, if the husband is procrastinating, then he is sinful for his procrastination.

The saved money from selling gold is subject to zakat every year if it reaches the nisab and a full year has passed over it, even if it is for the purpose of building a house. The fact that the amount is with the husband does not negate the zakat obligation.

If a part of the saved money is spent, and what remains reaches the nisab, then zakat is due on it. If it falls below the nisab, then no zakat is due on it.