Oracle 18c

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CREATE TABLE tab
AS
SELECT 2 AS f1, 1 AS f2, 'a' AS f3 FROM dual UNION ALL
SELECT NULL,   NULL, 'b' FROM dual UNION ALL
SELECT 1,  2, '' FROM dual UNION ALL
SELECT NULL, NULL, NULL FROM dual
4 rows affected

SELECT * FROM tab


F1
F2
F3


2
1
a

null
null
b

1
2
null

null
null
null


SELECT * 
FROM tab 
WHERE f1 IS NULL OR f2 IS NULL OR f3 IS NULL


F1
F2
F3


null
null
b

1
2
null

null
null
null


SELECT * 
FROM tab 
CROSS APPLY(SELECT CASE WHEN (f1,f2,f3) = ((f1,f2,f3)) THEN 1 ELSE 0 END AS all_non_nulls FROM dual) s
WHERE s.all_non_nulls = 0 -- 1


F1
F2
F3
ALL_NON_NULLS


null
null
b
0

1
2
null
0

null
null
null
0

F1	F2	F3
2	1	a
null	null	b
1	2	null
null	null	null

F1	F2	F3
null	null	b
1	2	null
null	null	null

F1	F2	F3
null	null	b
1	2	null
null	null	null