<?php
error_reporting(-1);
header('Content-Type: text/html; charset=utf-8');
$creditSum = 40000;
$bankPercent = 1.03;
$monthCommision = 1000;
$creditPay = 5000;
$total = 0;

for ($month = 0; $month <= 20; $month++){
	$creditSum = $creditSum * $bankPercent + $monthCommision - $creditPay;
	$total = $total + $creditPay;
	echo "{$month}-й месяц. Вы заплатили: {$total} рублей, осталось выплатить: {$creditSum} рублей.\n";
	
	if($creditSum < $creditPay){
		$creditSum = $creditSum * $bankPercent + $monthCommision - $creditPay;
		$total = $total + $creditPay;
		echo "{$total}\n";
		echo "{$creditSum}\n";
		echo "{$creditPay}\n";
		break;
	}
}

?>