[Grammar] Until + Present perfect

[Commadela]

Hello everyone.

Today I read a sentence:

I can lend you five pounds to help you out until you've had time to go to the bank.

In my opinion, the present perfect is generally used to indicate that the action happened before the other one in present time, and it emphasizes the completion of the action. But in this sentence, my knowledge does not work. It seems to me that the action "going to the bank" happened before "lending money".

In general,I often say "until you have time to go the bank". It really puzzled me.

Correct me if I am wrong.

Thank for reading.

 

[Rover_KE]

Both versions sound fine to me. If there's any difference I can't see it.

 

[Barb_D]

After the act of going to the bank is completed, you no longer need the five pounds, and I expect you give it back to me.

That point in time when the visit to the bank is in the past is when my term of lending you the money is over.