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A few queries regarding khums?


Salam alay kom

Regarding Sayid Sistani rulings on khums, I have become a bit confused :

At the end of this khums year I currently have 9000gbp in my account.   Approximately 1000 of this will be needed to cover this month’s expenses, so after the monthly expenses are removed, I will have approximately 8000 remaining.  I also have a car loan I am paying off monthly but this has a balloon (5000 lump) payment due during the middle of this new khums year.

I am struggling to save enough for a deposit for a mortgage for a house. I have been trying for years.

  1.  Does the car loan get included in the expenses? reducing the total subject to khums from  8000 to 4000 ? or is the total subject to khums still 8000, ie 1,600 khums?
  2. The money that remains after a khums payment, does it need to have another khums payment next year? if it is left unused?
  3.  If I manage to save 500 during the next year, will only that be subject to khums?
  4.  I have been struggling for years. I have read the new ruling regarding the khums and the mortgage that has already been taken. But what are the rulings on savings for a deposit?  Are savings made for a deposit for a house, subject to khums?

Regarding child savings:

5) I every few months I put some money into an account in my child’s name as savings for when he reaches maturity. Do I need to pay khums on this money? If not, will my son have to pay it and when?


Wa Alaykumussalam

I appreciate your questions and clarifications regarding Khums.

Answer 1:

The loan is not subject to khums.

Ruling 1803. If a person does not make a profit at the end of a year and borrows money in order to meet his living expenses, he cannot deduct the borrowed amount from the profit made by him in succeeding years and thereby not pay khums on the profit. However, if he borrows money during the year in order to meet his living expenses and he makes a profit before the year’s end, he can deduct the borrowed amount from his profit. Similarly, in the first case, he can repay the borrowed amount from gains made during the year and that amount is not liable for khums.

Ruling 1804. If a person borrows money in order to increase his wealth or to purchase something that he does not need, and if he repays the loan from the profit he acquires in that year without paying khums, he must pay khums on the property after the arrival of the khums year unless the money that he borrowed or the item that he purchased from the loan money perishes during the year.

Answer 2:

If khums has been paid on the money which have been left unused, are not due to khums again unless the whole amount is used and the new amount is counted as the surplus.

If you have kept money in bank on which you have already paid khums (suppose $1000), and the bank gives you profit and that profit remains till your khums date then the khums will have to be paid only on the profit and not the actual $1000 on which you have already paid khums last year.

Ruling 1773. If a person saves money on his living expenses for the year by being frugal, he must still pay khums on it.

Question: Is Khums payable on my last year’s bank balance?

Answer: Khums is not payable, if you paid Khums from your balance last year.

Answer 3:

Yes only the surplus will be calculated for khums and the amount on which you have already paid khums will not be due to khums.

Answer 4:

Khums has to be paid

Answer 5:

Ruling 1810. If a child who is a minor (Saghīr) acquires some profit, albeit from gifts, and if during the year the profit is not used for the child’s living expenses, it becomes liable for khums and it is obligatory on the guardian (walī) of the child to pay khums on it. In the event that the guardian does not pay it, it is obligatory on the child to pay khums on it after he reaches the age of legal responsibility (i.e. becomes bāligh).

Issue 383: If a non-baligh child has some money, and from that money receives a profit, the paying of the khums becomes wajib on the child’s guardian, and if he does not pay the khums for this property, then once the child becomes baligh, he must pay the khums.

May Allah swt give us Tawfiq to fulfill our Islamic responsibilities.


Syed Haider