Assalamu Alaikum wa rehmatAllah, You don’t know if he prays sometimes when you don’t see him or not! It is not to us to judge people over speculations! He may change himself after doing hajj this time. Pay for him if you can afford and try to advise him to make this a new start.

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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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