When Have in present tense?

Answer 1

Have is present tense

present simple - I have a new car. She has a new car.

present continuous - I am having my lunch. She is having her lunch. They are having their lunch.

Answer 2

The present tense of "have" is "has" for third person singular subjects (he, she, it) and "have" for all other subjects (I, you, we, they). For example: "He has a cat" and "I have a dog."