It's a different concept. With "If I had enough money", it means you definitely don't have enough money now. If it's possible that you might save up enough money, then it would become "If I have enough money this summer, I'll buy a car".
With "If this year's elections take place without major difficulties", we know that the elections will definitely take place (so the present tense is used to denote the future) and the only thing in question is whether there will be major difficulties or not.
Student or Learner