Zakat money must be given to the poor and needy. But if he deals with Riba, you shouldn’t give him from the zakat as this would encourage him to borrow more and more as long as there are people paying it for him.

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No, it only must be given in form of money.

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As long as they are not for sale, there is no zakat on them. However, if they are on rent, the zakat is on the money if it reaches nisab and a lunar year passes with it in your possession.

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