If you are having problems vs. if you have problems...

Hello again. Can you please tell me the difference between these two clauses:

If you’re having problems… and
If have you problems?

Thank in you in advance,

Hi Nicole,

If you have problems - Present Simple meaning if you have them in general at some time or whenever you have problems.

If you are having problems - Present Continuous meaning if you are experiencing problems right now at this particular time.