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Hi,
I wanted some understanding on giving zakaat based on the money you have. So below is an example of a scenario and i would like to know rough approoximate of how much zakaat we should give.
1st Scenario
10k in bank + 15k in stocks and 15k in car loan (Montly payments) = How is the zakaat calculated on this type of scenario (i.e US Dollars)
2nd Scenario
35k in bank + 300k house loan and 25k car loan
بسم اللہ الرحمن الرحیم
الجواب وباللہ التوفیق
In this case, calculate the following:
a. The amount of outstanding car and home loan installments remaining for this year;
b. The amount you have invested in stocks, based on their current value;
c. The money deposited in your bank accounts;
d. And finally, any amount available with you at your home;
Sum up the above amounts (a-d) and pay two and a half percent (2-1/2%) of the total amount as Zakat.
وذکر البزدوي في شرح الجامع الکبیر: قال مشائخنا رحمھم اللہ تعالیٰ فی رجل علیہ مھر مؤجل لامرأ تہ ، وھو لا یرید أداؤہ لا یجعل مانعاً من الزکاۃ لعدم المطالبۃ في العادۃ وأنہ حسن (الفتاوی الہندیۃ: ۱/۱۹۰
"(وسببه) أي سبب افتراضها (ملك نصاب حولي) نسبة للحول؛ لحولانه عليه (تام) ... (فارغ عن دين له مطالب من جهة العباد)"
('وفي الأشباه: كل قرض جر نفعاً حرام۔
"(قوله: كل قرض جر نفعاً حرام) أي إذا كان مشروطاً'' (ردالمحتار) (2/ 259
فقط واللہ اعلم بالصواب