Carla, both.
"Если бы он там был... "
....can be interpreted both as referring to a past and present situation. It answers both your questions:)
If you need to indicate the exact timing, you jsut add "that time" or "now". It is normally clear from the context, so it is not obligatory:) You may add this for
- to distingish past and present, when it is not clear.
- just for to sound exact
- for exactness of a different sort (that moment vs. those days, right now vs. taday).
- in Elena's example:
that he may have money now (even though he didn't have them then) - even when it is clear that 'give' refers to past.
- it is possible to specify "give' part, too:
Если бы у меня была работа, я бы тебе сейчас одолжил денег.
Если бы деньги у меня водились, я бы, конечно, одолжил.
jocular "водились" imlies "in general, usually".
Если бы мне тогда заплатили, я бы тебе сейчас одолжил.
(if they paid me then, I'd lend you now).