<?php

// your code goes here

error_reporting(-1);

function Credit($percent, $servicePay, $creditSum, $monthlyPay, $startPay) {
	for ($month = 1; $month <= 200; $month ++) {
    $monthlyPay = 5000;
	$totalSum = ( ($creditSum + $startPay) * $percent ) + $servicePay; 
	$sumAfterPay = $totalSum - $monthlyPay; 
	$creditSum = $sumAfterPay; 
 

      if ($totalSum <= 5000) {
      	$monthlyPay = $totalSum;
        $totalSum = $totalSum - $monthlyPay;
        $paymentTotal = $paymentTotal + $monthlyPay;
       	echo "{$month} месяц спустя: долг = {$totalSum} руб, выплачено всего {$paymentTotal} руб. \n";
 
 
          break;
      }
 $paymentTotal = $paymentTotal + $monthlyPay;
 
}
}


$homoCreditTotal = Credit(1.04, 500, 40000, 5000, 0);
$softBankTotal = Credit(1.03, 1000, 40000, 5000, 0 );
$strBankTotal = Credit(1.02, 0, 40000, 5000, 7777);


echo "Homo {$homoCreditTotal} /n";
echo "Soft {$softBankTotal} /n";
echo "STR {$strBankTotal}  /n";