When you want to say you have something, or there is something, you can use "있어요" and its negation is "없어요".
있어요 means something exists. The item in question can just simply exist or it can exist to you -- i.e. you have something. Let's look at a few examples first.
1) 저기(there) 사과(apple)가 있어요(exist)
: There is apple (you don't know if it's an apple or apples)
2) 저(I) 사과(apple) 있어요(have).
: I have apple.
3) 사과(apple) 있어요(have/exist).
: There's apple / I have apple.
For somethings, it's more likely that you have something just because the property.
4) 시간 있어요.
: I have time.
To ask, you simply add a question mark and raise the end if you're speaking.
사과 있어요? : Is there apple? Do you have apple?
시간 있어요? : Do you have time?
Likewise, 없어요 means something does not exist. The item in question may not or you don't have it.
1) 저기(there) 사과(apple)가 없어요(does not exist)
: There is no apple.
2) 저(I) 사과(apple) 없어요(do not have).
: I don't have apple.
3) 사과(apple) 없어요(have/exist).
: There's no apple / I have no apple.
4) 시간 없어요.
: I don't have have time.
To ask, you simply add a question mark and raise the end if you're speaking.
사과 없어요? : Is there no apple? Do you not have apple?
시간 없어요? : Do you not have time?