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问题	2023年什么情况下会开拒贷证明
释义	法律分析： 1、开发商销售未具备销售条件的房屋，即开发商未取得预售许可证或销售不具备使用条件的现房，银行审查时发现这种情况是不会批贷款的。2、购房者提供的资料不真实或者购房者的信用记录不好造成银行不予批准贷款。3、政府的政策或者银行的规定发生变化导致购房者本应拿到的贷款不能实现。法律依据：《中华人民共和国民法典》第六百六十九条订立借款合同，借款人应当按照贷款人的要求提供与借款有关的业务活动和财务状况的真实情况。
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