Q: Zakah question! I have savings amounting to around 200,000 riyal plus some gold that is above the nisab (minimum amount for a muslim net worth to be obligated to give zakat after having owned that value for a lunar year) level. 1) I have also given a loan to my brother to help him out for 100,000 riyal. He will pay me monthly in installments from his salary for a period of five years. He will pay monthly installments of 2,500 riyal. 2) I have purchased a flat for 700,000 riyal via a government loan, and will be paying it back to the government in installments for 20 years (more or less), and my installment is 3,000 riyal. How should I calculate zakah? Shall I add the full amount of the loan given to my brother and deduct the full amount of the loan taken from the government (if I do this then there will be no zakah for me as the loan towards the government is bigger than the amount of my savings), or there is a portion that is to be added/deducted? May Allaah reward you.