I bought a home where the bank owns the home. Monthly I pay rent and a portion to purchase the home. Can I claim the amount I still ‘owe’ as a liability against my assets when calculating zakat?

Answered according to Hanafi Fiqh by

This is a program of United Bank of Kuwait & is approved by Mufti Taqi Usmani Saheb. I paid 20% of the home price. My monthly payments to the bank inlcude rent and a portion to ofset the remaining 80%. Inshallah in 15 years the home will be mine. Please contact me if you need any clarification. Jazakallah Khair


You may regard only one year’s outstanding amount as a liability in calculating Zakat.

Was salaam

Mufti E Desai
Fatwa Dept.

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This answer was collected from, which is operated under the supervision of Mufti Ebrahim Desai from South Africa.

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