Formal:
* Nous avons: This is the most common and formal way to say "we have."
* On a: This is a more impersonal way to say "we have," often used in written French.
Informal:
* On a: This is the most common informal way to say "we have."
* Y'a: This is a very informal and slangy way to say "we have," often used in spoken French.
Examples:
* Nous avons un chat. (We have a cat.)
* On a besoin de plus de temps. (We need more time.)
* On a beaucoup de travail à faire. (We have a lot of work to do.)
* Y'a pas de problème. (We don't have a problem.)
The best way to choose which phrase to use depends on the level of formality you want to achieve.