The modal auxiliary would (negative would not, which is
often contracted to wouldn't) has several uses. One of them
is in making a kind of "artificial past" for will in indirect
(reported) speech. A second use is in making polite requests.
A third is in the common expression would like.
Another way to use would is for present / future time in
unreal conditional ("if") sentences. Conditional sentences
of this kind refer to situations that are hypothetical, impossible,
contrary-to-fact, or unreal. In them, would is used in place
of will.
Examples:
If Julia had enough money, she would buy a car.
(hypothetical: Julia doesn't really have enough money,
so she won't buy a car.)
If Julia had a car, she wouldn't need to take the bus to work.
(hypothetical: Actually, Julia doesn't have a car, so she
needs / will need to take the bus to work.)
If I were Julia, I would borrow the money to buy a car.
(hypothetical: Actually, Julia isn't going to borrow the money
to buy a car. Because she isn't me, her ideas are different
from mine about borrowing money.)
If Julia borrowed the money to buy a car, she would need
to make a car payment every month.
(hypothetical: Actually, Julia doesn't need to make a car
payment every month because she hasn't borrowed / didn't
borrow the money to buy a car.)
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Special Note:
In the unreal conditional sentences above, could and / or
might may also be possible:
If Julia had enough money, she could / might buy a car.
If Julia had a car, she might not need to take the bus to work.
If I were Julia, I might borrow the money to buy a car.
If Julia borrowed the money to buy a car, she might need
to make a car payment every month.
(In the first sentence, "she ___ buy" may refer to both
ability and possibility, so both could and might are possible.
In the second, third, and fourth sentences, "she ___ (not)
buy" refers only to possibility, so forms of might are
appropriate, but could is not.)
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