第一个句子是if引导的条件状语从句,主句用一般将来时,从句用一般现在时
第二个句子是虚拟语气,虚拟条件句中用过去时,主句用would+动词原形,表示与现在事实相反.第二个句中有误,应改为if i had money ,i would buy a car.