<?php

error_reporting(-1);

function computeCredit($percent, $comission){
	$percent = 39999 / 100 * $percent;
	$paySum = 0;
	for ($creditSum = 39999; $creditSum > 0; $paySum = $paySum + 5000) {
		$creditSum = ($creditSum + ($percent + $comission)) - 5000;
		if ($creditSum <= 5000){
			$paySum = $paySum + $creditSum;
			$creditSum = $creditSum - $creditSum;
		}
	}
	return $paySum;
}

$homoCreditTotal = computeCredit(4, 500);
$softbankTotal = computeCredit(3, 1000);
$strawberryBankTotal = computeCredit(2, 0) + 7777;

echo "homoCredit: {$homoCreditTotal} рублей \n";
echo "softBank: {$softbankTotal} рублей \n";
echo "strawberryBank: {$strawberryBankTotal} рублей \n";

?>