<?php
error_reporting(-1);
function getAmount($debt, $percent, $comition, $payout){
	$amount = 0;
	for ($i=0; $i<30; $i++){
		//echo "debt! ".$debt."\n";
		$debt = $debt + $debt*$percent + $comition;
	//	echo "debt ".$debt."\n";
		if ($debt > $payout){
			$amount = $amount + $payout;
		//	echo "amount ".$amount."\n";
			$debt = $debt- $payout;
		//	echo "debt ".$debt."\n";
		}
		else {
			$amount = $amount + $debt;
			break;
		}
	}
	return (int)$amount;
}
$creditSum = 39999;
$payout = 5000;
$homoCreditTotal = getAmount($creditSum, 0.04, 500, $payout);
$softCreditTotal = getAmount($creditSum, 0.03, 1000, $payout);
$strawCreditTotal = getAmount($creditSum+7777, 0.02, 0, $payout);

echo "homo ".$homoCreditTotal." рублей\n";
echo "soft ".$softCreditTotal." рублей\n";
echo "straw ".$strawCreditTotal." рублей\n";
// your code goes here