When is zakat due on a sum of money that has not yet reached its hawl (one lunar year) and was used to purchase gold for the purpose of trade?

Regarding Zakat (definition) on gold prepared for trade: If the money used to purchase it reached the nisab (definition) or more, its hawl (zakat year) is tied to the hawl of the original money. Zakat must be paid after four months if the money has been held for eight months, because the hawl of trade goods follows the original asset with which they were purchased. However, if the money you possessed before purchasing the gold did not reach the nisab (equivalent to 85 grams of gold), then the hawl for the gold will begin after a full lunar year from the time it reached the nisab.