Unlike addition, there is no need to line up the decimal points.
Just multiply ignoring the decimal points. When you are done, move the decimal point of the result to the left equal to the number of digits after the decimal point for both multiplicands.
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you have to line up the decimal points because you need to keep each place value in the same column so when you add or subtract you wont make any errors
You line up the decimal points and subtract, and carry the decimal point down to the same position in your answer: 1.3
You do not, but it is easier.
Line up the decimal points in a vertical column. Then add the numbers while ignoring the decimal point. Finally, put a decimal point in the answer in the same column as for the summands.
The lining up should be done in such a way that the decimal points are underneath each other.