What is the ruling on disposing of a financial bequest designated for performing Hajj on behalf of the deceased woman, and is zakat obligatory on this money after one year has passed since its sale, and does this gold fall under the ruling of inheritance, and what is the ruling on lending part of this money to those in need?

The will of the deceased regarding Hajj must be executed if it was obligatory for her and she had not performed it, by paying for someone to perform Hajj on her behalf from her estate. However, if she had already performed Hajj, her will is to be executed within the limits of one-third of her estate, unless the heirs approve anything beyond that. The mentioned gold is part of her estate, and neither the mother nor her children have a right to it. The mother's action of lending its value is an error, and it must be returned to be disbursed as part of the estate. The remainder of the estate is to be divided among the heirs after the execution of the will. As for the zakat on the gold, it becomes due on each heir’s share after the ownership is transferred to them.