Rules regarding Khums

Q.1: Is there Khums on the book which has not been used for one year?
A: If the book is necessary for the person the Khums is not obligatory even if the book has not been used for 1 year.
Q.2: Is there Khums and Zakat on the lady who receives some gold as a gift and is using it?
A: There is no Zakat on gold ornaments (jewelry) and if it’s quantity is according to normal standards then Khums is also not due on it.
But if the quantity exceeds the normal standards, Khums becomes obligatory.
Q.3: Is Khums obligatory on gold coins?
A: There is no difference between gold coins and other possessions. Therefore if it remains till the end of the year then Khums is obligatory.
Q.4: Is there Khums on the interest received on the money deposited in the banks in long term accounts whereas Khums on the money deposited has already been paid?
A: If the interest is legitimate than whatever remains at the end of the year Khums has to be paid for that amount.
Q.5: One receives an amount as student loan and saves it (does not spend it), is there Khums on the saving?
A: There is no Khums on loan. But for the amount of loan for which installments have been paid and has been saved, Khums is obligatory.
Q.6: Is it necessary for the working women, who receive salary every month, to separate Khums money every month or is it sufficient to fix a Khums year?
A: It is not essential to pay Khums every month and the day they receive their first salary marks the beginning of their Khums year. Therefore if their annual income exceeds their annual expenditure then Khums must be paid on the remaining amount.
Q.7: I receive dowry gradually from my husband, is there Khums or not?
A: There is no Khums on dowry.
Q.8: I have enrolled for Umrah Mufrida. The total amount paid, consists of two portions, personal money and loan. Is it necessary to pay Khums on the mentioned amount?
A: The portion of personal money, if it was from the income and a year had passed on it then Khums should be paid for that portion. Whereas there is no Khums on loan.
Q.9: If we spend the money, with the intention of not paying Khums, in such a way that there remain no savings at the end of the year, is it permissible?
A: If the money is spent on Halal (legitimate) affairs and is according to the status of the person then it is permissible. In the mentioned query paying Khums is not necessary.
Q.10: What is the verdict for eating such food about which we do not know whether the host has paid the Khums or not?
A. If it is not sure that whether the Khums has been paid or not for the food being consumed then it is permissible.