<?php

function countTotalPayment ($creditDebt, $percent, $serviceFee, $monthlyPayment, $separateChunk) {
    for ($months = 2, $creditDebt = $creditDebt + $separateChunk, $paymentTotal = 0; $months <= 20; $months ++) {
        $creditDebt = ($creditDebt * $percent) + $serviceFee - $monthlyPayment;
        $paymentTotal = $paymentTotal + $monthlyPayment;
    if (($creditDebt * $percent) + $serviceFee < $monthlyPayment) {
        $paymentTotal = $paymentTotal + ($creditDebt * $percent) + $serviceFee;
        $months++;
        break;
}
}
    return $paymentTotal;
}
 
$creditSum = 1000;
$payout = 5000;
$homoCreditTotal = countTotalPayment ($creditSum, 1.04, 500, $payout, 0);
$softbankTotal = countTotalPayment ($creditSum, 1.03, 1000, $payout, 0);
$strawberryBankTotal = countTotalPayment ($creditSum, 1.02, 0, $payout, 7777);
 
echo "HomoCredit: {$homoCreditTotal} \n";
echo "Softbank: {$softbankTotal} \n";
echo "StrawberryBank: {$strawberryBankTotal} \n";