<?php
 
function bestBankCalculator($percent, $commission, $creditSum, $payout, $downPayment){
	$creditSum += $downPayment;
	while($creditSum > 0){
		$creditSum = ($creditSum * $percent + $commission);
		if($creditSum > $payout){
			$creditSum -= $payout;
			$totalPaid += $payout; 
		}
		else{
			$creditSum -= $creditSum;
			$totalPaid += $creditSum;
		}
	}
	return $totalPaid;
}
 
$homoCreditTotal = bestBankCalculator(1.04, 500, 39999, 5000, 0);
$softbankTotal = bestBankCalculator(1.03, 1000, 39999, 5000, 0);
$strawberryBankTotal = bestBankCalculator(1.02, 0, 39999, 5000, 7777);
 
echo "homoCredit: {$homoCreditTotal} руб.\n";
echo "softbank: {$softbankTotal} руб. \n";
echo "strawberryBank: {$strawberryBankTotal} руб. \n";

PD9waHAKIApmdW5jdGlvbiBiZXN0QmFua0NhbGN1bGF0b3IoJHBlcmNlbnQsICRjb21taXNzaW9uLCAkY3JlZGl0U3VtLCAkcGF5b3V0LCAkZG93blBheW1lbnQpewoJJGNyZWRpdFN1bSArPSAkZG93blBheW1lbnQ7Cgl3aGlsZSgkY3JlZGl0U3VtID4gMCl7CgkJJGNyZWRpdFN1bSA9ICgkY3JlZGl0U3VtICogJHBlcmNlbnQgKyAkY29tbWlzc2lvbik7CgkJaWYoJGNyZWRpdFN1bSA+ICRwYXlvdXQpewoJCQkkY3JlZGl0U3VtIC09ICRwYXlvdXQ7CgkJCSR0b3RhbFBhaWQgKz0gJHBheW91dDsgCgkJfQoJCWVsc2V7CgkJCSRjcmVkaXRTdW0gLT0gJGNyZWRpdFN1bTsKCQkJJHRvdGFsUGFpZCArPSAkY3JlZGl0U3VtOwoJCX0KCX0KCXJldHVybiAkdG90YWxQYWlkOwp9CiAKJGhvbW9DcmVkaXRUb3RhbCA9IGJlc3RCYW5rQ2FsY3VsYXRvcigxLjA0LCA1MDAsIDM5OTk5LCA1MDAwLCAwKTsKJHNvZnRiYW5rVG90YWwgPSBiZXN0QmFua0NhbGN1bGF0b3IoMS4wMywgMTAwMCwgMzk5OTksIDUwMDAsIDApOwokc3RyYXdiZXJyeUJhbmtUb3RhbCA9IGJlc3RCYW5rQ2FsY3VsYXRvcigxLjAyLCAwLCAzOTk5OSwgNTAwMCwgNzc3Nyk7CiAKZWNobyAiaG9tb0NyZWRpdDogeyRob21vQ3JlZGl0VG90YWx9INGA0YPQsS5cbiI7CmVjaG8gInNvZnRiYW5rOiB7JHNvZnRiYW5rVG90YWx9INGA0YPQsS4gXG4iOwplY2hvICJzdHJhd2JlcnJ5QmFuazogeyRzdHJhd2JlcnJ5QmFua1RvdGFsfSDRgNGD0LEuIFxuIjs=