Zakat is not required if there is a loan 5625749834

I get a salary of Rs. 25,000 / =. I live with my parents and I don't have to bear any expenses. However, the income of 25,000 / = is spent on the education of one of my daughters and his wife. He continued to pay for our living and food because he could afford it. No claims. I currently have 20 pieces of jewelry - which I have stored for 10 long years. From the time of marriage (father / mother and father-in-law's house) a total of 13 pieces of jewelry were given by both parties together and the remaining 8 pieces I made in 9 long years. At present my father and my great uncle (living abroad) together give me Rs 10 lakh and I had Rs 5 lakh deposited - I booked a flat with a total of Rs 15 lakh. The price of the flat is 33 lakh rupees. I am paying the remaining amount in installments of Rs. 30,000 / - per month. A total of Rs. My father and uncle together pay me 20,000 / = per month and I pay the remaining 10,000 / = from my salary. This total is Rs. 30,000 / =. I have a loan of Rs. 1 lakh which I repay at Rs. 1,000 / - per month. A total of 20,000 / = has been paid and the remaining 60,000 / = (eighty thousand) rupees. I had invested Rs 3 lakh in the stock market. At present there is a loss of Rs. 1,75,000 / -. There is cash investment. This money is increasing in 2 years and then the loss is decreasing. Which has no fixed account. 3 lakh is fixed in the name of my wife in the bank. This is my detailed asset - now my lord my question is how much will my zakat be in the context of the above situation and is there any waiver for the loan here? Summary: - 1 / I am in debt - (I have to pay for the flat for 2 more years) 2 / I have a loan of 1 lakh which I will repay in 3 more years. 3 / My income is only my salary 25,000 / = 4 / and the installment of the flat is 20,000 / = rupees my father and great uncle give me. 5/3 lakh is fixed in the name of my wife in the bank. 5 / I have DPS 3 at a total of 2,000 / = per month I deposit in the bank 2 years which I will deposit another 4 years. At present there is about 50 thousand rupees deposited in the DPS fund. A: My wife owns gold - but she has no income. My income is her income. He is completely terrified. 2 / My annual income is - 3,00,000 / = (three lakh rupees). I repay a loan of Rs. 3 / 1,00,000 / = and pay a loan of Rs. 12,000 / = per year. And I pay the installment of the flat every year - from my own income = 1,20,000 / = rupees per year. And my father and great-uncle give me the total installment of the flat every month (30,000 / = rupees), that is, the rest of the money is 20,000 / = per month, they pay 2,40,000 / = per year In short my annual income = 3,00,000 / = I have my own expenses for loan repayment and installments per year = 1,32,000 / = Rs. The remaining flat installments are given to me by my parents After paying all the installments per month, except for all my expenses, there is only 14,000 / = (only fourteen thousand rupees). As such, my annual income remains = Rs. 1,6,000 / = per annum. 1815446227