I have not umbrella. or I have no umbrella.

[Alfiya]

what is the difference?

i have not umbrella OR i have no umbrella? : :roll:

[Infin1ty]

i have not umbrella is incorrect..you couldn't use "not" as a adjective to modify a noun I suppose.
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[Tespineli]

or you can say "I have not got an umbrella." This is the same as saying "I do not have an umbrella."