It is obligatory to pay khums on the mentioned savings. However, the khums payment can be deferred with the permission of the Marji’ if paying it at the time affects the khums payer, since he may need to spend the whole amount of money.
Even if the marriage is not consummated, permission is needed. In order to validate the marriage with a Christian in the said case, the consent of the Muslim wife is necessary based on compulsory precaution.