(2) If a person have 70 gm gold and no silver and he has to pay some loan amount say 10000 in this case if he get some money will he become sahib-e-nisab or if he gets more than 10000 than he will become sahib-e-nisab.
بسم الله الرحمن الرحيم
(1) Eligible for zakah is one who does not own gold, silver, cash (whether it is one rupees), business material or unnecessary good (which are not used daily) if put together is not equal to the price of 612.360 gram silver. But if they reach up to the price of said weight of silver then he shall not be eligible to receive zakah. Also if he owns the said quantity on the day of Eid al-Fitr and Eidul Azha then sadaqah Fitr and qurbani shall be wajib on him. And if he does not own such quantity and he took zakah to an extent that his wealth reached to the amount of nisab, then it shall not be lawful for him to take zakah after that.
Allah knows Best!
Darul Uloom Deoband
This answer was collected from the official ifta website of Darul Uloom Deoband in India.