- If I had some money now, I could buy it.
"had" is past simple but it refers here to present time (now)
t is important not to confuse the name of a verb tense with the way we use it to talk about time.
For example, a present tense does not always refer to present time:
I hope it rains tomorrow.
"rains" is present simple, but it refers here to future time (tomorrow)
"rains" is present simple, but it refers here to future time (tomorrow)
Or a past tense does not always refer to past time:
Post Title
→Tense & Time
Post URL
→https://girlfashion-liphu.blogspot.com/2010/11/tense-time.html
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