Wa alaikum salam, This is an innovation. We shouldn’t celebrate it. It wasn’t proven in the sunnah that this miraculous night was on the 27th of Rajab and hence it is not sunnah to fast it but a clear innovation.

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Wa alaikumsalam wa rahmatallah wa barakatuhu, No zakat on it unless you are selling and by buying them.

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Assalamu alaikum wa rahmatullahi wa barakatuhu, It is prohibited to take interest based loan from a bank. The gold and silver kept with the bank as mortgage is still zakatable.

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Wa alaikum assalaam No, it is not an innovation as there are some hadeeth a recommending the fast the first half of it but scholars say that this is if a person was going to be weak to Fast Ramadan. The Prophet salla Allahu alaihi wa sallam used to fast most of Shaaban.

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