Both are natural, but I would say that only the first is "technically" correct.
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Aspara GusBoth are natural, but I would say that only the first is correct.Why is only the first one correct, when in my mind I'm set on letting her use it for the duration of the lease. It's no longer hypothetical, so shouldn't it be better with have?
dave_anonHiI think the first one says "Suppose you had a dependable car now - wouldn't that help a lot?"And the second says "Suppose you have a dependable car soon - won't that help a lot?"It's up to you to choose. I think I prefer the second one, but both are goodDaveSo, I should change it to:
PreciousJonesWhy is only the first one correct?With wouldn’t, the verb in the if-clause should be past tense.
PreciousJonesWon't it help a lot if you have a dependable car to drive for a couple years.That’s OK. Use whichever you want.