请问如何区别that做代词还是引导词？谢谢！

请问如何区别that做代词还是引导词 ？

呜呜呜～～为什么没人回答我！牛牛们快来帮忙啊！

有例子不？没例子不太好讲诶

Many  house builers offer rent-to-buy programs that enable a family with insufficient savings for a conventional down payment to move into new housing and to apply.

这是正确选项，请问怎样看出这句话的that 是代词还是从句引导词？谢谢！