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We have next question, Brother Hashim from Virginia.

He says that he has a home mortgage that he has to pay off

and he is asking for the sake of the Zakat

that should he deduct the debt from the amount of his savings

to calculate Zaka.

And,

what I'm our sent'n'am from

from before you,

unless a rjala nuchin'uhi

to them.

So, asko,

a heql of thequiry,

if you not to know.

So with regards to the issue of a home mortgage,

I have given a much longer lecture

with the conversation that I had with myself

and Dr. Hatim al-Haj.

You can look this up as an hour-long

conversation and we concluded that really mortgages really should be avoided unless there is some

some type of need or strong need or necessity and there is no Islamic alternative. Nonetheless,

the brother is not asking about that. He's basically saying that he has already had a mortgage and he's asking does he deduct the debt of the

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