<?php

error_reporting(-1);

function calculateLoan($loan, $payment, $percent, $comission, $initDeposit) {
	$payed = 0;
	
	if ($initDeposit != 0) {
			$loan += $initDeposit;
		}
	
	while ($loan > 0)
	{
		$loan += ($initDeposit == 0) ? ($loan * $percent) + $comission : ($loan * $percent);
		
		$payed += ($loan - $payment < 0) ? $loan : $payment;
		
		$loan -= $payment;
	}
	
	return $payed;
}

$creditSum = 39999;
$payout = 5000;
$homoCreditTotal = calculateLoan($creditSum, $payout, 0.04, 500, 0);
$softbankTotal = calculateLoan($creditSum, $payout, 0.03, 1000, 0);
$strawberryBankTotal = calculateLoan($creditSum, $payout, 0.02, 0, 7777);


echo "homoCredit: {$homoCreditTotal} руб.\n";
echo "softbank: {$softbankTotal} руб.\n";
echo "strawberryBank: {$strawberryBankTotal} руб.\n";