'If he lost his job he would have no money' is a simple statement of fact - no work, no pay. What he may or may not do is unknown, there is no hidden inference.
'If I had won the lottery, I would have bought a car' is a statement of intent. Given money I will buy a car, but in this case we know that he did not get money and could not buy a car, so he is just reflecting on what might have been.
Student or Learner