I live and work out of my home country as an expat. I somehow got a bank loan last year which is equivalent of my country currency 3500000.
Every month, I'm paying installment as 90000 (equivalent of my country currency value) from my monthly salary which is about 170000 (home country currency value).
I have no saving from my salary as for loan deduction & family expenses. Out of 3500000 loan amount, I don't have any cash in my hand as I spent around 2300000 for family and home. I lent out 600000 (which will be returned to me) and invested 600000 for business (which will be refunded and getting some separate amount as monthly profit depending monthly gross profit of business).
Now, do I need to give zakat? Last year, I gave zakat of the amount I had in my hand. This year, some of them asking to check with expert if my zakat is appropriate or not?
Even if I don't have to give zakat, even then I can give as Sadqah. Asking just for clarification.