单选题：关于商用房借款合同的变更与解除，下列说法错误的是（　　）。

题目分类：个人贷款
题目类型：单选题
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题目内容：

关于商用房借款合同的变更与解除，下列说法错误的是（　　）。 A．必须经借贷双方协商同意，协商未达成之前借款合同继续有效
B．如需办理抵押变更登记的，应到原抵押登记部门办理变更抵押登记手续及其他相关手续
C．当保证人破产、分立、合并时，借款合同失效
D．借款人在还款期限内死亡的，银行有权提前收回贷款并依法处分抵押物或质物

参考答案：

答案解析：

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