<?php
$creditSum = 39999;
$monthlyPayment = 5000;
 
function countCredit($persent, $servicePayment, $startPrice){
	$creditSum = 39999;
	$monthlyPayment = 5000;
	$creditBalance = $creditSum + $startPrice;
	for ($month = 1; $month <= 20; $month ++) {
 
	$creditBalance = ( $creditBalance * $percent ) + $servicePayment - $monthlyPayment;
	$paymentTotal = $paymentTotal + $monthlyPayment;
 
      if ($creditBalance < 4000) {
          $paymentTotal = $paymentTotal + $creditBalance;
          break;
      }
	}
	return $paymentTotal;
};
 
 
$homoCreditTotal = countCredit(4,500,0);
$softbankTotal = countCredit(3,1000,0);
$strawberryBankTotal = countCredit(2,0,7777);
echo "{$homoCreditTotal}\n {$softbankTotal}\n {$strawberryBankTotal}";

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