<?php
 
function gettingIpad($creditSum, $payout, $procent, $commission, $openAccount){
	$paymentTotal = 0;
 
	if ($openAccount > 0){
		$creditSum = $creditSum + $openAccount; //сразу вписываем в долг открытие счета
 
	}
 
	for($i = 0; $i<= 20; $i++){
		$creditSum = ($creditSum * $procent) + $commission;
 
		if ($creditSum <= $payout){
			$paymentTotal = $paymentTotal + $creditSum; 
			return $paymentTotal; //чтобы не переплачивать
		}
 
		$creditSum = $creditSum - $payout ;
		$paymentTotal = $paymentTotal + $payout;
	}
 
 
}
 
$creditSum = 39999;
$payout = 5000;

$homoCreditTotal = gettingIpad($creditSum, $payout, 1.04, 500, 0);
$softBankTotal =  gettingIpad($creditSum, $payout, 1.03, 1000, 0);
$srawberryTotal = gettingIpad($creditSum, $payout, 1.02, 0, 7777);

echo "homoCredit: $homoCreditTotal.\n";
echo "softBank: $softBankTotal.\n";
echo "srawberry: $srawberryTotal.";
// your code goes here