Reciting Quraan or visiting the sick while azaan is being called out

Q: My Quraan teacher for tajweed and tahfeez is in another country and temporarily teaching me over the phone. During this, if Azan is called, do I need to stop or can I continue since my Qaari Sahib will not be aware of the azaan being called out at our place?

Can we continue to see and talk to the patients in clinic or should stop while the azaan is being called out?

Zakaat on a debt that is payable after a long period of time

Q: Zaid and Ahmad are partners in a business. Zaid wishes to sell his share to his partner for R10 million. The payment terms agreed upon are that half the amount will be paid cash and the other half will be paid AFTER 48 months in 12 equal monthly installments. In other words, for the first 48 months there will be no installment paid. The question refers to the zakaat obligation during this time. Is Zaid liable to pay zakat on the R5 million owing to him during these 48 months?