<?php

 error_reporting(-1);

function credit($percent, $servicePayment, $fee, $creditBalance, $month, $paymentTotal, $payOut){
	$creditBalance=40000+$fee;
	$payOut=5000;
	for ($month = 1; $month <= 20; $month ++) {
	
	$creditBalance = ( $creditBalance * $percent ) + $servicePayment - $payOut;
	$paymentTotal = $paymentTotal + $payOut;
	if ($creditBalance < 0) {
		$paymentTotal = $paymentTotal - $creditBalance;
          break;
          
	}
	}
	
	return $paymentTotal;
	
}

$homoTotal = credit(1.04, 500);
$softTotal = credit(1.03,1000);
$strawTotal = credit(1.02,0,7777);
 echo "Homo Credit Bank: {$homoTotal}руб.\n";
  echo "Soft Bank: {$softTotal}руб.\n";
   echo "Strawberry Bank: {$strawTotal}руб.\n";