Если бы он не тратил так много дене

Если бы он не тратил так много денег, ему не пришлось бы брать в долг

Результаты (английский) 1:

If he hadn't spent so much money, he would not have to borrow

Результаты (английский) 2:

If he had not spent so much money, he would not have to borrow

Результаты (английский) 3:

if he hadn't spent so much money, he wouldn't have to borrow.