tener or haber
When does a person use the verb tener or haber?
3 Answers
Tener: When someone / something posesses something, ie: Tengo dinero en el banco (I have money in the bank).
Haber: Something exists or an unnamed thing has something, ie: Hay dinero en el banco (There is money in the bank).
Haber is also used to form the present perfect tense, which is used in the same manner as he English present perfect.
I have eaten--- He comido
You have seen.---Has visto.
He/she/Usted----have/has written. ----Ha escrito.
We have arrived.---Hemos llegado.
You-all (Spain only) have played. -----Habéis jugado.
They/Ustedes have travelled. -----Han viajado.
Here is an interesting thought on the contrast:
Haber: He hecho la tarea. I have done the homework. I completed it.
Tener: Tengo hecha la tarea. I have the homework done. It is (in my possession in essence) in a state of completion.
Note hecho vs. hecha as well as the verb. The first the past participle is a past participle, in the second it is used as an adjective.
I am an intermediate level learner. I would defer to other comments on this contrast.