银行不放贷款的原因？-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	银行不放贷款的原因？
释义	法律分析：银行不放贷款并不代表买家违约，这两种之间并没有必然的联系，银行之所以不放贷款，很有可能是由于贷款人自身的原因导致的，如果贷款人的个人征信不好，那么申请贷款成功的可能性是比较小的。法律依据：《中华人民共和国商业银行法》第三十六条商业银行贷款，借款人应当提供担保。商业银行应当对保证人的偿还能力，抵押物、质物的权属和价值以及实现抵押权、质权的可行性进行严格审查。经商业银行审查、评估，确认借款人资信良好，确能偿还贷款的，可以不提供担保。
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