The different banks have different policies but the personnel in the branches will also vary widely on their knowledge of their own policies. I also had my annual condo lease and the TM30 that my landlord submitted for me when I moved to this location last month, but the latter really confused them. It really is important to be able to show them their official policy as listed on their website. If you go the foreign currency route, I suggest you bring in more than the minimum to cover currency fluctuations. I brought in $30K plus the initial deposit of $1K so even if the USD drops to 28 I'm still covered.