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Khums..

Q:

Is khums wajib if you have credits in different accounts for a long time?

A:

Bismillah

Thank you for your question. Khums is applicable on earnings which exceed your yearly expenses for the year. If you have paid khums on these earnings that are more than your expenses you do not have to pay khums again on them in any following years.
May you always be successful
Regards
Zohair Ali.