my zakat calculation

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I have a property which has a value of £115,000 and in which I currently reside. The mortgage on it at the moment is £99,000.


In my zakat calculation do I have to add the property value of £115,000 in the assets (I think not but just want to confirm?)


Do I have to add the value of the loan in the Liabilities section £99,000?




Muhtaram / Muhtaramah


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

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

 You do not have to add the value of the property in the Zakaat Calculations. You may deduct the next 12 payments towards your mortgage bonds.  


And Allah knows best


Darul Iftaa, Madrassah In’aamiyyah

  • The Sharée ruling herein given is specifically based on the question posed and should be read in conjunction with the question.
  • The Darul Ifta bears no responsibility to any party who may or may not act on this answer. The Darul Ifta being hereby exempted from loss or damage howsoever caused.
  • This answer may not be used as evidence in any Court of Law without prior written consent of the Darul Ifta.