<?php
//$payment=5000;
function balance ($payment,$percent,$commission,$paymentForNothing){
	$creditTotal = 0;
	$creditTotal-=$paymentForNothing;
	$k = 0;
for($i=0;$creditTotal<=40000;$i++){
	$creditTotal += $payment-$payment*$percent-$commission;
	if (40000)
	$k++;
}
return $creditTotal;
}
$homoCredit =  balance(5000,0.04,500,0);
$softBank =  balance(5000,0.03,1000,0);
$strawberryBank =  balance(5000,0.02,0,7777);
echo"In Homocredit bank you need to spent $homoCredit money before payment ends\n";
echo"In SoftBank bank you need to spent $softBank money before payment ends\n";
echo"In StrawberryBank bank you need to spent $strawberryBank money before payment ends\n";
// your code goes here