<?php
error_reporting(-1);
function totalPay($creditSum, $monthPay, $monthPercent, $tax){
    for ($i = 0; $i <= 20; $i++){
    	$totalPayBank = $creditSum * $monthPercent + $tax - $monthPay;
    	$total = $total + $monthPay;
    }
    return $total;
}
 
$creditSum = 39999;
$monthPay = 5000;
$homoCreditTotal = totalPay(39999, 5000, 1.04, 500);
$softBankTotal = totalPay(39999, 5000, 1.03, 1000);
$strawberryBank = totalPay(39999, 5000, 1.02, 7777);
 
echo "{$homoCreditTotal}\n";
echo "{$softBankTotal}\n";
 

PD9waHAKZXJyb3JfcmVwb3J0aW5nKC0xKTsKZnVuY3Rpb24gdG90YWxQYXkoJGNyZWRpdFN1bSwgJG1vbnRoUGF5LCAkbW9udGhQZXJjZW50LCAkdGF4KXsKICAgIGZvciAoJGkgPSAwOyAkaSA8PSAyMDsgJGkrKyl7CiAgICAJJHRvdGFsUGF5QmFuayA9ICRjcmVkaXRTdW0gKiAkbW9udGhQZXJjZW50ICsgJHRheCAtICRtb250aFBheTsKICAgIAkkdG90YWwgPSAkdG90YWwgKyAkbW9udGhQYXk7CiAgICB9CiAgICByZXR1cm4gJHRvdGFsOwp9CgokY3JlZGl0U3VtID0gMzk5OTk7CiRtb250aFBheSA9IDUwMDA7CiRob21vQ3JlZGl0VG90YWwgPSB0b3RhbFBheSgzOTk5OSwgNTAwMCwgMS4wNCwgNTAwKTsKJHNvZnRCYW5rVG90YWwgPSB0b3RhbFBheSgzOTk5OSwgNTAwMCwgMS4wMywgMTAwMCk7CiRzdHJhd2JlcnJ5QmFuayA9IHRvdGFsUGF5KDM5OTk5LCA1MDAwLCAxLjAyLCA3Nzc3KTsKCmVjaG8gInskaG9tb0NyZWRpdFRvdGFsfVxuIjsKZWNobyAieyRzb2Z0QmFua1RvdGFsfVxuIjsK