<?php

error_reporting(-1);

$creditBalance = 40000;
$percent = 0.03;
$servicePayment = 1000;
$monthlyPayment = 5000;
$paymentTotal = 0;
$months = 0;

while ($creditBalance > 0)
{
	$creditBalance += ($creditBalance * $percent) + $servicePayment;
	
	if ($creditBalance - $monthlyPayment < 0) {
		$paymentTotal += $creditBalance;
	} else {
		$paymentTotal += $monthlyPayment;
	}
	
	$creditBalance -= $monthlyPayment;
	
	$months++;
	
	echo "$months месяц спустя: долг = $creditBalance руб, выплачено всего $paymentTotal руб.\n";
}
echo "С меня хватит!\n";