Is zakat due on money loaned to others and repaid in installments, and how is its zakat calculated? Is zakat due on ornamental gold?

Zakat is obligatory on a loan if the borrower acknowledges the debt, is committed to repaying it, and is not in financial difficulty. It is calculated by paying 2.5% of the money. Zakat is not obligatory until the money reaches the nisab, which is equivalent to 85 grams of gold or 595 grams of silver. As for used gold, it is more cautious to pay its zakat by evaluating its value at the time of zakat payment and paying 2.5% of its value. Zakat is not obligatory for those whose gold is less than 85 grams. It is not permissible to deposit money in usurious banks except in cases of extreme necessity and only in a current account.