Zakat and mortgage

Answered according to Hanafi Fiqh by

I wanted to ask a question about paying zakat on some savings i have now accumulated for a year. I have a mortgage which i am paying for and wanted to know if i need to pay zakat on the savings i have even though i have a mortgage to pay.


In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

If the saved amount is equivalent to or more than the nisab (minimal zakatable threshold) and one your has passed by on the saved amount, then that amount is zakatable at 2,5% [1].

The bank loan that is due at the time when zakat is due will be deducted from the saving amount and zakat will be worked out on the remaining amount.

For example, if you got a saving  of R10 000 for one year, which ends at the end of March. In March, you owe the bank R1000. You will deduct R1000 from R10 000 and calculate 2,5% zakat from R9000 which is R225.

Abu Ali ad-Dagistani

Student Darul Iftaa
Moscow, Russia

Checked and Approved by,
Mufti Ebrahim Desai.

[1]  أما الدين المؤجل بتأخير صاحب الحق هل يمنع وجوب الزكوة؟ إختلف المشايخ و الصحيح أنه لا يمنع ذكره القاضي صدر الدين (جواهر         الفتاوى ق٣٠/ب ملك سعود ١٤٣٧)

 و قيل يمنع المعجل دون المؤجل..و الصحيح أنه غير مانع كما في الجواهر (جامع الرموز ج-١ ص-٣٠٠، سعيد)

 الدين المؤجل قال بعضهم يمنع و ذكر فخر الأئمة السرختي عن مشايخنا-رحمهم الله- أنه لا يمنع (السراجية ص-١٤٢، زمزم)

    زاد القهستاني عن الجواهر والصحيح أنه غير مانع (الشامي ج-٢ ص-٢٦١، سعيد)

 السراجية: الدين المؤجل قال بعضهم:يمنع الزكاة، وذكر مجد الأئمة السرخكتي عن مشائخنا أنه لا يمنع (التاتارخانية ج-٣ ص-٢٣٥، مكتبة زكريا)

(فتاوى حقانية ج-٣ ص-٥١٠، جامعة دار العلوم حقانية)   

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

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