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I am presuming that the loan is not interest based (riba) as this is a major sin. As for the question, if they have money saved that a whole year passed over it and it is more than 1200 dollars, they have to pay zakat over that.

If you don’t have anything saved for a whole year that exceeds the value of 595 grams of silver, there is no zakat on you.

You must follow the Islamic calendar.

There is no preference in paying zakat in Ramadan.

He should pay it now

There is no zakat required.

No, she must support them and it is not permissible to give them from zakat as it is mandatory to provide for them.

It is not permissible to give her zakat money to build the house.

Praise be to Allaah. Allaah has spoken about zakaah funds in the verse (interpretation of the meaning): “As-Sadaqaat (here it means Zakaah) are only for the Fuqaraa’ (poor), and Al‑Masaakeen (the poor) and those employed to collect (the funds); and to attract the hearts of those who have been inclined (towards Islam); and to free […]

The owner of the gold .