Zakah on the money payable to one by another person with the first intending it as a grant while the latter considers it a loan

Fatwa no. 14421 My husband built a house for us seven years ago. I used to help him with my entire salary and I did not intend it to be a debt at all. However, he recorded all the amounts of money he took from me and intended to pay me back when his situation improves better because he fears Allah, but I had no idea about his intention. Five years ago, he told me that he intended to return the money to me, thus, I considered it to be a debt since then (Part No. 8; Page No. 136

A: You must pay Zakah for all the years that passed, as your husband did not accept your money as a sort of help or grant, but considered it a loan. Thus, you are obliged to pay Zakah as long as he intends to pay the debt. You must pay 2.5% of the amount of the debt for every year for the Zakah is Tazkiyah (purification of the heart and soul) for both the money and the payer of Zakah. Allah (Exalted be He) states: Take Sadaqah (alms) from their wealth in order to purify them and sanctify them with it May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.