Ask Me Help Desk - Some quaries zakat in islam

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Some quaries zakat in islam

I've two house building loans of 25 lac which I've to pay in 15 years. I've also a loan of 85 lac which I need to pay in 1 years. But for some financial problem I'm not able to pay this within time.I've some Gold jewellaries. So my question is Do I need to pay Zakat for my gold? Please reply me soon with correct answer.I would be grateful.

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