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During his college years, Xiao Zhang borrowed 5000 yuan from the bank at the beginning of each year for four years.
(1) If you save 27,227.5 yuan at the beginning of each year, you can save15,000 yuan in the fifth year.

(2) 350,000 yuan is used as mortgage loan with interest rate of 6.6%, and it is planned to be paid off 10.

Calculated by the equal principal and interest repayment method, if it is repaid once a year, it will be 489 14.73 yuan per year.

(If the repayment is made once a month, you must pay 3992+0 yuan every month. )