My husband and me recently bought a house and staying there. But since we couldn't manage the full price of that house so we we took bank loan based on our salaries. 50% of the price of that house is coming from bank loan. Now we are paying installments for that loan. I own gold jewelry which counts 180 grams and I am also an earning member of my family.
So my question is that should I minus the yearly installment from my gold price-value and then pay zakat ?