The loan does not affect the wealth he has in his hand. If he wants to be fair, he should pay off the loan from his savings before zakat is due.

If a person is having a saving amount e.g “A” which reached to nisaab and had passed 1 year on it, means Zakaah becomes compulsory on it. And that person is having a loan (.e.g. “B” amount)on him which he is paying monthly to Islamic Bank. So how the Zakaah is calculated. Also if loan minus saving (i.e. B-A) exceeds the saving amount then what about Zakaah on it ? Please clarify