Answered by Shaykh Abu Usamah
According to the Hanafi School Zakah is payable on gold and silver jewellery even if it is for use. It has nothing to do with being in excess of the normal amount or $1000 . Yes the condition of the possession of nisab applies in all cases i.e. the total Zakaat-able assets of the person must be equal to or more than the nisab amount (which has to be ascertained from the local ulama.)
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