1) If you borrowed money and you did not have to pay anything until after
a fixed time (for example, you borrowed some money and the owner said don't
pay me anything for five years and then pay the money back to me) then this
will not stop you from giving Zakah [Radd-ul-Mohtar].
Also if the husband has to give so much money for Mehr, he still has to give
Zakah because the wife does not ask for the Mehr [Alamgiri, Bahar].
2) A loan will stop you from giving Zakah when the loan is taken before the Zakah became Wajib and if money is borrowed after Zakah is due, then you will still have to give Zakah (for example, your year has finished and you are due to give £500 Zakah and then you take out a loan which takes you below the Nisaab threshold, the £500 Zakah will still have to be paid) [Radd-ul-Mohtar, Bahar).
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