Dont ask them, get attatched to them and wait for the right moment till you get signs from her. Saving for jesus ? JESUS !
Not asking her if she wants to lose her virginity is the right step, it would be too awkward. But not doing anything at all might make you lose her. She might think you are not interested in her or sex at all.
Do the small steps... touching, kissing, touching at sensitive areas and so on. If she doesn't want be ok with it, if you love her.
You need to show her that you want it and that you can handle her.
It has a learning curve. Simply don't be in fear. If she loves you you can make errors. At least if you don't show a bad character at all.
Good luck with it.