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I live in Sweden and my sister is also live in Sweden, she borrow a loan from bank equal to SEK 1.5 Million and also borrow a house loan SEK 1.7 Million, she has to pay back in monthly installments. She has 300 gram gold and SEK 0.2 Million for her daughter, Is she eligible for Zakat next year ??? She is paying zakat regularly till 2016 but now has a big amount of loans,