Hello, I am confused on the difference between PV and PV (annuity), FV and FV(annuity). I do not know when to use one formula over the other.

Is there a way you can simplify when to use each formula? The key differences? Key phrases or words I should associate them with? An easy way to remember how each formula is used? I am confused on TVM equations.

For example)

#1. You buy a property for $100,000 and you are offered a 30-year loan by the bank, at an interest rate of 8% per year. What is the annual loan payment you must make? (Round to 2 decimal places)

#2. What is the present value (PV) of $200,000 received six years from now, assuming the interest rate is 8% per year?(Round to dollar)

I thought these questions used both PV formula, but the first question uses PV (annuity) and second one is just PV. Why is that? Do not need to solve the questions, just provide an explanation of how to use formulas and for what problems.. If you can make it as clear and easy to understand as possible, that would be appreciated.