{"id":37257,"date":"2025-05-14T16:07:00","date_gmt":"2025-05-14T16:07:00","guid":{"rendered":"https:\/\/daruliftabirmingham.co.uk\/home\/?p=37257"},"modified":"2025-07-31T22:56:05","modified_gmt":"2025-07-31T22:56:05","slug":"zakat-calculation-in-relation-to-mortgage-repayments","status":"publish","type":"post","link":"http:\/\/daruliftabirmingham.co.uk\/home\/zakat-calculation-in-relation-to-mortgage-repayments\/","title":{"rendered":"Zakat Calculation in Relation to Mortgage Repayments"},"content":{"rendered":"

Fatwa ID: 08243<\/strong><\/span><\/p>\n

 <\/p>\n

 <\/p>\n

Answered by: Maulana Abdurrahman Mohammad<\/strong><\/span><\/p>\n

 <\/p>\n

Question:<\/strong><\/span><\/p>\n

 <\/p>\n

I need to ask a question about my zakat. I have a mortgage and I know the way to deal with long term debt with zakat is to deduct 12 months worth of re-payments from the total figure of assets and if the result reaches the nisab value, then Zakat is due for the year.<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

My question is, when I deduct the 12 months of repayments, do I deduct the full monthly payment (which includes capital repayments and interest,) or do I deduct only what is to be paid back as a capital repayment for the 12 months? Does the interest factor into deductions when determining if I am eligible for Zakat?<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

In the name of Allah, the Most Gracious, the Most Merciful<\/strong><\/span><\/p>\n

 <\/p>\n

Answer:<\/strong><\/span><\/p>\n

 <\/p>\n

Islam does not consider interest as part of the loan and it would not be deducted from the Zakat amount. The word Rib\u0101 in the Arabic language means \u201cto increase\u201d or \u201cexcess\u201d so interest is something separate or in addition to the loan, not part of it. Based on the principle that \u201cWhatever is impermissible to take is impermissible to give,\u201d just as it is impermissible to take interest, it is impermissible to give it. Since it is impermissible to give interest, it would not be factored into your Zak\u0101t calculations.<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

Only Allah (\u0639\u064e\u0632\u0651\u064e \u0648\u064e \u062c\u064e\u0644\u0651\u064e) knows best.<\/span><\/p>\n

Written by Maulana Abdurrahman Mohammad<\/span><\/p>\n

Checked and approved by Mufti Mohammed Tosir Miah<\/span><\/p>\n

Darul Ifta Birmingham<\/span><\/p>\n

\u00a0<\/strong><\/span><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

References:<\/strong><\/span><\/p>\n

 <\/p>\n

\u0645\u0627 \u062d\u0631\u0645 \u0623\u062e\u0630\u0647 \u062d\u0631\u0645 \u0625\u0639\u0637\u0627\u0624\u0647<\/span><\/p>\n

(Al-Qaw\u0101\u2019id Al-Fiqhiyyah Ma\u2019a Al-Sharh Al-M\u016bjaz, pg. 78, Dar At-Tirmidhi)<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Fatwa ID: 08243     Answered by: Maulana Abdurrahman Mohammad   Question:   I need to ask a question about my zakat. I have a…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[19],"tags":[],"_links":{"self":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/37257"}],"collection":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=37257"}],"version-history":[{"count":6,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/37257\/revisions"}],"predecessor-version":[{"id":38547,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/37257\/revisions\/38547"}],"wp:attachment":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=37257"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=37257"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=37257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}