Faith IQ – Can I Deduct Installments Of 0_ Financing Of My Car From Zakaat

			I have purchased a car using 0% financing, and I'm paying it off every month, can I use these
payments and deduct them from what I would pay as a cat.
		

			Couple of things straight off the bat, some squatters don't don't allow the concept of 0% financing,
if you have to sign an agreement that says that you would pay interest if you didn't make the
payment. I am actually one of those. But as a side point, okay, because a number of scholars do
allow 0%. So assuming that the 0% financing is allowed for that purchase, okay. The second issue is
security itself. There are some scholars, for example, that said if you're in a short term kind of
contract, then 12 months of liability that you would pay, ie debts that you would pay can be
deducted from the amount of Zakat that you need to pay when your date comes around. I am definitely
		

			not of that opinion. So I just want you to be aware as for the academic completion of this answer,
but you are asking me, I'm going to give you the answer, which I strongly believe, I do not believe
that a person should deduct anything from their sum of money that they have on them on the date that
comes around the whole the Hijri day that they have to pay once a year. So if you choose that day to
be the first of Ramadan, many folks do choose Ramadan. But let's say if you're a better man than
that, and you choose Chava, and you've let Ramadan be a sadhaka month but you do your obligatory
Zakat another time of the year so that people don't have to wait for Ramadan until they're saved. So
		

			the first of Shabbat comes around, you've got 10,000 pounds, you will pay zakat on that 10,000
pounds It doesn't matter whether you owe 5000 pounds, and it doesn't even matter if you're owed 5000
pounds. If I don't have that extra money here with me right now. I'm not paying on it. And I don't
care if I own someone or someone else that money if I've still got that money, then it's still mine
is still my liability. I am paying upon it. So me I do not allow any deductions, monthly deductions
anything. If I paid my monthly installment yesterday, and today I've got 9500 pounds, I pay on 9500
pounds. If my monthly installment is going out tomorrow, so it's going to be 9500 pounds tomorrow,
		

			but my haich D date lands today and it's 10,000 pounds, I'm paying on 10,000 pounds. If a person I
owe money to they come and take their money tomorrow and it drops a 5000 pounds but today's 10,000
on penguin 10,000 pounds, if a person who owes me money, and then brings me down money tomorrow and
it's 15,000 pounds that I should have paid Zakat upon tomorrow but today is 10,000 I pay on 10,000
that is my role. That is the easiest way of paying Zakat, there can be no one that can criticize
this, all the fatawa that talk about the debt, strong debt, weak debt, apply it whatever one
scholars are trying their best to help you and try to get around the modern financial kind of
		

			markets, etc, etc. And there are some opinions that support this as well. But with me, I'm very,
very clear upon this you pay up on what you have and that's it. Allah knows best. Hey, thank you for
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