<?php
 
error_reporting(-1);

$monthly = 5000;
$credit = 39999;
$penalty = 7777;
 
function calculatePayments($credit, $monthly, $percent, $service, $paymentTotal) {
 
	for ($month = 1; $credit != 0; $month ++) {
 
		$compulsory = ( $credit * $percent ) + $service;
		$payment = min($compulsory, $monthly);
		$credit = $compulsory - $payment;
		$paymentTotal = $paymentTotal + $payment;
	}
	
    return $paymentTotal;
}
 
$alfaBankTotal = calculatePayments($credit, $monthly, 1.04, 500, 0);
$privatBankTotal = calculatePayments($credit, $monthly, 1.03, 1000, 0);
$homeCreditTotal = calculatePayments($credit + $penalty, $monthly, 1.02, 0, 0);
 
echo "AlfaBank = $alfaBankTotal\n";
echo "PrivatBank = $privatBankTotal\n";
echo "HomeCreditBank = $homeCreditTotal\n";
 
?>