Agar kisi ne loan liya hai aur uske loan ki raqam uski yearly net saving se ziyada hai to us per Khums nahin hai. Magar ismain uski degar property bhi shamil ki jayegi jo uske akhtiyar main hai agar che woh cash ki shakl main hi kion na ho.
Misal ke taur per maine Bank se 3 lakh loan liya aur meri yearly saving 50,000 hai jo ke loan ki raqam se kam hai magar mere pass ek zamin hai( ismain aapki zaroorat ki cheez exempt hogi aapka ghar aur us ghar main zaroorat ka saman) aur woh zamin hamari saving hai (agar che cash ki shakl main Nahin hai) lehaza agar us zamin ki qimat aapke loan ki raqam (3 lakh) se ziyada hai to ab mujhe jo mere pass 50, 000 ki saving thi usmain se qist ki raqam (jitna bhi Bank ne fixed kiya) baqi bachi raqam per Khums dena hoga.
Ab agar main woh zamin sell kar doon aur woh paisa kharj kar daloo aur fir next year mere pass aisi koi property extra na ho jiski qimat hamare 300,000 loan ke barabar ho to ab jo bhi saving hogi agar woh saving 3 lakh se kam hi rahti hai to khums nahin dena hoga.