Has and Have can be used as a main verb as well as helping verb. Let’s see how they can be used as a main verb when we talk about the ownership.

‘Have’ is used with the subjects I, We, You, They and etc.
‘Has’ is used with the subjects He, She, It, Name and etc.
Following examples will clarify the difference.

I have a car. You have a car. We have a car. They have a car.
She has a car. He has a car. Ram has a car.

Test Yourself
Mumbai ———- (Has/Have) many malls.
Sachin ——— (Has/Have) centuries to his credit.
The Prime Minister ———- (Has/Have) lot of work to do.
All schools ————– (Have/Has) libraries.