Zakat
It is a matter of Ijtihad, therefore opinions are different. To me, the loan is not in your possession, therefore it does not incur Zakat, the loan is already serving a good in the possession of another person. Moreover, the receiving of the loan amount is somewhat uncertain, an element of uncertainty cannot ignored. And we know that God has said that He does not want hardship in religion, therefore we choose the easy option. You can choose any opinion which you find more statisfactory.