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【多选题】
下列关于贷款抵押风险防范的说法正确的有( )。
A.
对抵押物进行严格审查,首先要确保抵押物的真实性,这就要求信贷人员认真审查有关权利凭证
B.
对抵押物的价值进行准确评估,这是保证抵押物足值的关键。银行一般要求抵押企业提供商业评估机构出具的评估报告.并根据评估价值打折后确定贷款额
C.
需依法登记的抵押物.抵押合同自登记之日起生效
D.
法律规定自登记之日起生效的合同,必须办理抵押登记,但可认为合同有效
E.
抵押期限应等于或大于贷款期限,凡变更贷款主合同的,一定要注意新贷款合同与原贷款抵押合同期限的差异.不能覆盖贷款合同期限的要重新签订抵押合同
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