Zakat on Housing Wealth

Question
Is zakat obligatory on the money saved in the teachers' housing fund or the military housing fund? This means that a teacher or military personnel contributes to the housing fund, and then a certain amount is deducted from them monthly. After a while, a specific amount accumulates in their balance in the fund. Is zakat obligatory on this amount?
Answer
I say, and with God's help: Zakat is not obligatory on her unless she receives it, and God knows best.
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