Abdur Rahman ibn Yusuf Mangera – Simplified Zakat Guidance Hajj Deposits, Savings for Marriage & House

very pertinent question that's arising right now for zakat.

Because in Ramadan people pay zakat generally, is that a lot of

people had put in deposits for Hajj, they were planning to go or

they are planning to go Hajj this year. And based on that they've

actually provided a deposit at least maybe 1000 or 2000 pounds,

and the package cost six or 7000 pounds, for example, but they

haven't paid the rest. Now, because the height is all up in

the air, I just spoke to a travel agent. I spoke to a hedge tour

operator yesterday. And they said that basically out of the 120 or

so, tour operators in the UK, about 60 or so of them are part of

this overarching umbrella group. And they've agreed between them,

that they will give back whatever money has been taken from the high

G if they don't want to go, the high G the or the one intending to

go for Hajj has obviously the option that they keep the money

with the tour operator for a subsequent year or for this year,

if it does happen to open up and they get the opportunity to go

otherwise they have a right of full refund as well.

Now that depends on your Hajj tour operator, if it's a non refundable

if you've paid 1000 or 2000 is non refundable, then in that case,

you're because hedge is going to is coming after Ramadan, but

you've already paid this and it's non refundable. And your date is

in Ramadan. Right. So fifth of Ramadan is your date or 20th of

Ramadan is your date. So that's when you need to check your

assets. Now because you don't have that 2000 pounds that was paid as

deposit. You don't even expect to get it back because it's non

refundable, then that's not part of the equation. Now the bigger

question that comes up is what about the other 5000 that I'd

still need to pay for HUD because I really didn't want to go for

Hajj. So now because it's all up in the air and it's not even been

paid. And even if it was not up in the air, right? The 5000 Because

you could have changed your mind. Even if there was no COVID

situation. You could have changed your mind after Ramadan, something

could have happened. And he said, I'm not going for Hajj anymore.

You may have lost the 2000. But you wouldn't have had to pay the

5000 because that's not you know, that's not fixed yet. It's not

called for yet, right? The only time it gets called for is when

you pay it and it's non refundable. You'd still have to

pay zakat on 5000. Even if you were going for Hajj. Likewise, if

you've got money set aside for a marriage for your wedding, right,

and I know weddings are sunnah and marriages, a sunnah and so on, or

for any other good purpose like that. I mean, even if it's for

hygiene, as we said, the until you don't actually do the act and

spend on it, right and give it in a way that there's no refund. If

you're the card that comes before that you have to pay zakat on

that. Right. I know this sounds difficult is people saying I've

got 100,000 set aside for the house. I've located the house, I

found the house, we're doing the checks and the research and all of

that, but it's not been signed, yet. There's nothing committed

yet.

There's nothing committed yet. As long as nothing is committed, then

that money I know it's dedicated for that. But it's Zakat is due on

that some people have four or 500,000 saved up because the

property is more expensive. In London, for example, they will

have to base the katana until you sign until you have to pay, right

only then it means that you've purchased when you sign then your

buyer then is binding, it means you've purchased the house, the

house is yours. And you now have to pay even if it's going to take

two or three weeks to pay or two months to pay. Once you've signed

that is a different thing. But until you haven't signed

then you you have not purchased you have not purchased it, which

means you still have to pay zakat. And remember, with zakat, you're

just getting rid of the dirt of your money. So it's going to

protect it from you know, I know you're going to feel like oh

that's a huge chunk that's going to go it's only 2.5% Right? And

Allah will make it up for you have that trust in Allah subhanaw

taala. So that's the way you basically pay in things that

you've maybe promised to do or going into a contract. It depends

on the level of the contract. As I said with the house contract, it's

necessary for you to buy whereas in a in a hedge contract as of

today because of the COVID situation.

The tour operators are keeping it completely open for the most part,

you may lose your deposit with some but with others you won't. So

you do definitely have to pay for the rest of the amount that you

think you may be paying. If you do go for Zakka this year you still

have to pay because in Ramadan, if your date is Ramadan, then that

means your data is coming earlier. So hopefully that explains it.

Just like Aloha Iran.