If you need to know the specific details of a loan of 500,000 yuan with a term of 10 years and equal principal and interest repayment, here is your answer: The total monthly repayment principal and interest you need to pay each month is 4885.95 yuan. Under this repayment plan, during the entire loan period, you will pay a total of 586,314 yuan, of which 86,314 yuan is interest and the remainder is principal. In the first month, the interest part was 1354.17 yuan and the principal part was 3531.78 yuan. As the loan progresses, the monthly interest payments gradually decrease, while the principal portion gradually increases until the entire loan is paid off. In this way, you not only repaid the principal but also paid a total of 86,314 yuan in interest fees within 10 years.