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【多选题】
商业银行在发放抵押贷款时,可以抵押的财产要具备以下哪些条件()。
A.
抵押物必须是法律允许设定抵押权的财产,并且是可以转让的,法律禁止转让的财产不得抵押
B.
必须是抵押人有权处分的财产。抵押物应是抵押人所有的,或者国有财产必须是抵押人有权处分的。
C.
抵押物担保的债权不得超过抵押物的价值,抵押物必须便于管理。
D.
抵押物的品质与价格应当易于测定,且相对稳定的。
E.
抵押物应当具有流动性与通用性。
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