Is zakat obligatory on money saved for the purpose of purchasing an apartment under construction, of which a down payment has been made as a reservation?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
If money reaches the (minimum threshold) and a hawl (full lunar year) passes over it, becomes obligatory on it. The fact that it is saved to buy an apartment does not prevent the obligation of zakat. However, if the actual contract has been concluded and the remaining amount has become a debt, then the preponderant opinion is that zakat is obligatory on this money if you possess assets that can be used to offset the debt, and these assets exceed your needs and the needs of those whose maintenance is incumbent upon you; otherwise, zakat is not obligatory.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/126571
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 126571
- 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