Is zakat obligatory on saved money designated for building, after it was previously subject to zakat, then the saving stopped for the purpose of buying land and building on it, then saving resumed along with borrowing money for building?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Money saved for any purpose is subject to if a full lunar year (hawl) has passed over it, and it reaches the (minimum threshold) by itself, or when combined with other cash or trade goods. Therefore, the money saved by both of you, as well as the money borrowed by the questioner from the bank, is subject to Zakat if the conditions for its obligation—namely, the passing of a full lunar year and reaching the nisab—are met. It should be noted that Zakat becomes obligatory only if the share of each individual separately reaches the nisab, not based on the total accumulated amount.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/157798
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- Ftawy
- Original fatwa ID
- 157798
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy