Is it permissible to deduct the amount of the installment paid for a residential apartment from the funds on which zakat is due, if the installment’s due date is after the date zakat becomes obligatory?

It is permissible for the owner of wealth to hasten the repayment of his debt before the due date (hawl) to reduce the zakat (definition). The evidence for this is the action of the Caliph Uthman ibn Affan, may Allah be pleased with him, who used to collect people's zakat in Ramadan (definition) and say: "This is the month of your zakat. So, whoever owes a debt, let him pay it off, then pay zakat on the remainder of his wealth." Furthermore, Sheikh Ibn Baz, may Allah have mercy on him, issued a fatwa (definition) permitting the repayment of debts before the completion of the hawl to avoid zakat, emphasizing that there is no harm in doing so.