Is zakat obligatory on a debt of 72,000 Riyals placed in a joint bank account under the names of the debtor and the creditor, then transferred to the debtor's account as a trust? Is it permissible for spouses to pay their zakat jointly? If it is difficult to accurately estimate the funds from two years ago, can zakat be paid on the current funds with the intention of the increase being charity? Is zakat obligatory on relatives' trusts held in separate accounts if a year has passed over them and they have reached the nisab? Is zakat obligatory on two gold bars designated for future needs, or for jewelry, or for heirs?

First: If you have bought the apartment, then Zakat is not obligatory on the amount if it was held as a trust. However, if you intend to buy and have not yet purchased, then Zakat is obligatory.

Second: Zakat is not obligatory on shared money unless the share of each partner reaches the nisab. In that case, it is permissible to pay Zakat on the total amount, provided that each party intends to pay the Zakat for their share.

Third: If you cannot determine the amount of money for the past two years, then give what you predominantly believe fulfills the obligatory Zakat. As for money that has not yet completed a hawl (lunar year), if it is generated from money that has completed a hawl, it is added to it and Zakat is paid on it together. If it is not generated from profit, it can be added to the old money and its Zakat paid when its hawl is completed, or a new hawl can be started for it.

Fourth: You are not obligated to pay Zakat on the trusts of your relatives, and it is not permissible to pay it without their permission. It is good to remind them about it.

Fifth: Zakat is obligatory on gold ingots intended for savings or expenditure, or those intended for hoarding and acquisition. Zakat must be paid on them if they reach the nisab, and delaying payment does not waive it. Zakat becomes obligatory when a hawl is completed, and it is permissible to pay it in advance, but not deferred.