Deposit Taking(Personal)- Products & Services - Tokyo

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Deposit Taking(Personal)

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Personal Yen Deposits

China Construction Bank (hereinafter referred to as “the Bank”) provides Yen deposit services for individual customers (foreign customers are restricted to those who reside in Japan and whose visa validity period is longer than 6 months). Yen deposits include Yen savings deposit and Yen time deposit. You can open an account with our branch and deposit Yen, upon presenting our branch your valid identity certificate with your own picture attached such as residence-card, Japanese passport or driving license. Your personal seal for banking business is also needed for our seal specimen record.

Only documentary passbooks are available currently with the bank. Transaction details can be supplied at the counter of our branch. Meanwhile, balance statement will be mailed to you monthly for your confirmation of the account balance. The post service will be canceled if the account balance remains unchanged in the previous month.

Product	Yen Savings Deposit	Yen Time Deposit
Available To	Individual Customers
Term Availability	No fixed deposit term	1 , 3 , 6 month(s), 1 year
Making Deposits	Possible at any time	Amount should be deposited by lump sum
Minimum Deposit Amount	JPY1,000	JPY10,000
Unit of Deposit	One Yen ( JPY 1 )
Withdrawals	Possible at Any time	The principal and interest can be withdrawn from the maturity date
Interest rate	Savings deposit interest rate	Time deposit interest rate on offer on the date of deposit.
Interest Payment Method	Paid on every Feb 20 and Aug 20	Paid in lump sum at maturity
Interest Calculation Method	Calculated daily, based on 365 days a year.
Interest Payment Unit	One Yen ( JPY 1 )
Interest Tax	Interest is subject to a 20.315% withholding tax.
Service Charge	Free
Cancellation Before the Maturity Date	Can be withdrawn any time	The interest from the deposit day to the cancellation day will be calculated on the Yen Savings deposit rate prevailing on the date of cancellation.
Other Conditions	1. This deposit is not covered by Japan's Deposit Insurance. Final solvency of deposits is supported by whole China Construction Bank Corporation (CCB). CCB is supervised by China Banking Regulatory Commission.
	2. Transaction channel of the deposit and withdrawal is restricted to the branch of the bank.
	3. Applicable interest rate will be changed according to market conditions without notice and the new rate will be applied from the day on which the rate is changed.	3. Automatic renewal will apply on the maturity date of the time deposit. And the interest rate for the time deposit on offer on the maturity date will apply.
	4. In case the interest payment day is a non-work day, the interest payment will be postponed to the next working day accordingly.
	5. Please apply in written for any alteration of the registration information. The alteration application will be effective upon the verification of the bank only.

We are sorry that the alteration of the above-mentioned contents is subject to change without notice any time.

Personal Foreign Currency Deposits

China Construction Bank (hereinafter referred to as “the Bank”) provides foreign currency deposit services for individual customers (foreign customers are restricted to those who resides in Japan and whose visa validity period is longer than 6 months). Foreign currency deposits include foreign currency savings deposit and foreign currency time deposit. You can open an account with our branch and deposit upon presenting the branch your valid identity certificate with your own picture attached such as residence-card, Japanese passport or driving license. Your personal seal for banking business is also needed for our seal specimen record. The bank does not accept foreign currencies cash for the time being, you are required to convert the Yen cash into foreign currencies to deposit.

Product

Foreign Currency Savings Deposit

Foreign Currency Time Deposit

Available to

Individual Customers

Applicable Currencies

USD、EUR

Term Availability

No fixed deposit term

1 , 3 , 6 month(s), 1 year

Making Deposits

Possible at any time

Amount should be deposited by lump sum

Minimum Deposit Amount

USD(EUR) 1.00

Unit of Deposit

USD(EUR) 0.01

Withdrawals

Possible at Any time

The principal and interest can be withdrawn from the maturity date

Interest Rate

Savings deposit interest rate

Time deposit interest rate on offer on the date of deposit.

Interest Payment Time

Paid on every Feb 20 and Aug 20

Paid in lump sum at maturity

Interest calculation Method

Calculated daily, based on 365 days a year.

Calculated daily, based on 360 days a year.

Interest Payment unit

USD(EUR) 0.01

Interest Tax

Interest is subject to 20.315% withholding tax. Exchange-rate gains are to be declared as miscellaneous income for taxation purposes and applicable to comprehensive taxation. However, no declaration is necessary when a salaried employee has an annual income of 20 million yen or less and the total amount of income from sources other than employment or retirement income, such as foreign exchange gain, is 200,000 yen or less.

Exchange-rate loss can be deducted from surplus miscellaneous income.

For further details, please refer to certified accountants or tax advisors.

Service Charge

Varied depending on deposits method. Please inquire at our branch.

Cancellation Before the Maturity Date

Can be withdrawn any time

The interest from the deposit day to the cancellation day will be calculated on the foreign currency savings deposit rate prevailing on the date of cancellation.

Foreign currencies deposit risk

Foreign currency deposits are exposed to foreign exchange rate fluctuation risk. There is a possibility that the Yen-equivalent value you receive including interest may be less than the original Yen-equivalent value of the deposited foreign currency. The rate at which Yen is converted to another currency and the rate at which a foreign currency is converted to Yen each includes the foreign exchange commission, as listed below. Therefore, even if the foreign exchange rate has remained the same during the deposit term, loss of principal and interest may occur due to the foreign exchange commission.

Currencies	Commission (Yen per 1 foreign currency)
USD	2 yen for conversion to and from USD 1.00
EUR	3 yen for conversion to and from EUR 1.00

Deposit Insurance

Foreign currency deposits are not covered by any deposit insurance. Final solvency of deposits is supported by whole China Construction Bank Corporation (CCB). CCB is supervised by China Banking Regulatory Commission.

Foreign Currency Cash

Foreign currency cash are not accepted for deposits or withdrawals at the bank.

In case of significant Exchange-rate Fluctuation

The bank may determine that some currencies are not available due to significant exchange-rate fluctuation.

Other Conditions

1. Transaction channel of the deposit and withdrawal is restricted to the branch of the bank.

2. In case the interest payment day is a non-work day, the interest payment will be postponed to the next working day accordingly.

3. Applicable interest rate will be changed according to market conditions without notice and the new rate will be applied from the day on which the rate is changed.

3. Automatic renewal will apply on the maturity date of the time deposit. And the interest rate for the time deposit on offer on the maturity date will apply.

4. Please apply in written for any alteration of the registration information. The alteration application will be effective upon the verification of the bank only.

We are sorry that the alteration of the above-mentioned contents is subject to change without notice any time.

Personal CNY Deposits

China Construction Bank (hereinafter referred to as “the Bank”) provides CNY deposit services for individual customers (foreign customers are restricted to those who resides in Japan and whose visa validity period is longer than 6 months). CNY deposits include CNY savings deposit and CNY time deposit. You can open an account with our branch and deposit upon presenting the branch your valid identity certificate with your own picture attached such as residence-card, Japanese passport or driving license. Your personal seal for banking business is also needed for our seal specimen record. The bank does not accept CNY cash for the time being, you are required to exchange your Yen cash into CNY to deposit. Remittance can not be made directly through CNY accounts.

Product	CNY Savings Deposit		CNY Time Deposit
Available to	Individual Customers
Currency	CNY
Term Availability	No fixed deposit term		1 , 3 , 6 month(s), 1 year
Making Deposits	Possible at any time		Amount should be deposited by lump sum
Minimum Deposit Amount	CNY 1.00		CNY 1.00
Unit of Deposit	CNY 0.01
Withdrawals	Possible at Any time		The principal and interest can be withdrawn from the maturity date
Interest Rate	Savings deposit interest rate		Time deposit interest rate on offer on the date of deposit.
Interest Payment Time	Paid on every Feb 20 and Aug 20		Paid in lump sum at maturity
Interest calculation Method	Calculated daily, based on 365 days a year.		Calculated daily, based on 360 days a year.
Interest Payment unit	CNY 0.01
Interest Tax	Interest is subject to 20.315% withholding tax. Exchange-rate gains are to be declared as miscellaneous income for taxation purposes and applicable to comprehensive taxation. However, no declaration is necessary when a salaried employee has an annual income of 20 million yen or less and the total amount of income from sources other than employment or retirement income, such as foreign exchange gain, is 200,000 yen or less. Exchange-rate loss can be deducted from surplus miscellaneous income. For further details, please refer to certified accountants or tax advisors.
Service Charge	Varied depending on the deposits method. Please inquire at our branch.
Cancellation Before the Maturity Date	Can be withdrawn any time	The interest from the deposit day to the cancellation day will be calculated at the CNY Savings deposit rate prevailing on the date of cancellation.
Risk	Foreign currency deposits are exposed to foreign exchange rate fluctuation risk. There is a possibility that the Yen-equivalent value you receive including interest may be less than the original Yen-equivalent value of the deposited foreign currency. The rate at which Yen is converted to another currency and the rate at which a foreign currency is converted to Yen each includes the foreign exchange commission. The commission is 0.4 yen for conversion to and from CNY1.00. Therefore, even if the foreign exchange rate has remained the same during the deposit term, loss of principal and interest may occur due to the foreign exchange commission.
Deposit Insurance	Foreign currency deposits are not covered by any deposit insurance. Final solvency of deposits is supported by whole China Construction Bank Corporation (CCB). CCB is supervised by China Banking Regulatory Commission.
CNY Cash	CNY Cash is not accepted for deposits or withdrawals with the bank.
In case of significant Exchange-rate Fluctuation	The bank may determine that CNY deposits are not available due to the market conditions.
Other Conditions	1. Transaction channel of the deposit and withdrawal is restricted to the branch of the bank.
	2. In case the interest payment day is a non-work day, the interest payment will be postponed to the next working day accordingly.
	3. Applicable interest rate will be changed according to market conditions without notice and the new rate will be applied from the day on which the rate is changed.		3. Automatic renewal will apply on the maturity date of the time deposit. And the interest rate for the time deposit on offer on the maturity date will apply.
	4. Please apply in written for any alteration of the registration information. The alteration application will be effective upon the verification of the bank only.

We are sorry that the alteration of the above-mentioned contents is subject to change without notice any time.