When is zakat due on a saved salary and on money loaned to a brother, does zakat include money saved to buy a house, and how are the nisab and the hawl calculated?

Zakat is obligatory on savings, and their hawl (zakat year) begins when they reach the nisab (minimum threshold). It is preferable to add zakat on additional money to the principal amount when its hawl is due. As for delayed salaries, their hawl begins from their due date if they reach the nisab. A debt owed by another is subject to zakat along with the owner's wealth if the debtor acknowledges it and is able to pay; otherwise, it is subject to zakat one year after its collection. The Hijri calendar is used for calculating the hawl. The nisab for banknotes is the equivalent of 85 grams of gold, and the obligatory amount is one-quarter of one-tenth (2.5%).