2. Withdrawal by installment refers to the basic bank time deposit, which refers to the deposit method in which depositors agree to deposit once a month and withdraw the principal and interest at maturity. Small deposits and one-time withdrawals are generally once a month, starting from 5 yuan. If the deposit on the way is insufficient, it will be made up next month, and there is only one chance to make it up. The term of deposit is generally divided into one year, three years and five years. Interest is calculated according to the actual deposit amount and actual deposit period, and the specific interest rate standard is implemented according to the interest rate table. The procedures for opening a one-time withdrawal account with a small rated deposit are the same as those for current savings, but the deposit is renewed every month according to the amount at the time of opening the account. The procedures for depositors to withdraw money in advance shall be handled by referring to the relevant procedures for one-time deposits and one-time withdrawal of time savings deposits. The interest rate of small deposits and one-time withdrawals is generally 60% of the interest rate of time deposits in the same period.

1, CCB personal savings can choose demand deposits and time deposits according to the deposit term and personal fund use. Time deposits are divided into one-time deposit and withdrawal, lump-sum deposit and withdrawal, one-time deposit and withdrawal, principal and interest withdrawal, education savings, fixed-term and convenient deposit and notice deposit.

2. China Construction Bank (CCB) requires the business manager to make fixed deposits every month. If he forgets for a month, he can make up for it next month. If he exceeds the amount of supplementary deposit, it becomes a demand deposit.

3. After the maturity of CCB, the interest-bearing method of lump-sum deposit and lump-sum withdrawal is "monthly accumulated interest". If the business cycle is one year, the annual interest rate is 3. 1%, 3.3% for three years and 3.5% for five years.

4. Precautions for installment: installment must be deposited once a month, and the amount deposited each time is the same. The interest shall be calculated according to the lump-sum withdrawal, zero deposit and lump-sum withdrawal interest rate of time deposits with corresponding maturities and grades announced on the deposit date. When the interest rate is adjusted, the interest will no longer be calculated in installments, and the interest will be paid off together with the principal. If you miss the deposit halfway, you can make it up next month. Failing to make up or pay the deposit within the time limit shall be regarded as breach of contract. The part deposited after default shall bear interest according to the deposit interest rate at the time of withdrawal. The one-time deposit and withdrawal interest is higher than the current interest and lower than the one-time deposit and withdrawal interest. Small deposits and lump-sum deposits can also be withdrawn in advance, but the early withdrawal is calculated at the current savings rate. The calculation formula of time deposit interest is: interest = monthly deposit amount × monthly accumulated product × monthly interest rate. Where the cumulative monthly product = (deposit times+1)÷ 2 × deposit times.