<?php
error_reporting (-1);

function bank ($sumCredit, $percent, $gross, $pay, $onePay){
	$ending = 0;
	for ($mounth = 1; $mounth <= 25; $mounth ++){
		if ($sumCredit > $pay){
			$sumCredit = ($sumCredit * $percent) + $gross - $pay;
		}
		else{
			$pay = $sumCredit;
			$sumCredit = 0;
		}
	$ending = $ending + $pay + $gross;
	}
	return $ending;
}

$sumCredit = 39999;
$pay = 5000;
$homoCreditTotal = bank ($sumCredit, 1.04, 500, $pay, 0);
$softBankTotal = bank ($sumCredit, 1.03, 1000, $pay, 0);
$strawBerryBankTotal = bankSBB ($sumCredit, 1.02, 0, $pay, 7777);

function bankSBB ($sumCredit, $percent, $gross, $pay, $onePay){
	$ending = 0;
	$sumCreditBank = $sumCredit + $onePay;
	for ($mounth = 1; $mounth <= 25; $mounth ++){
		if ($sumCreditBank > $pay){
			$sumCreditBank = ($sumCreditBank * $percent) + $gross - $pay;
		}
		else{
			$pay = $sumCreditBank;
			$sumCreditBank = 0;
		}
	$ending = $ending + $pay + $gross;
	}
	return $ending;
}


echo "HomoCredit Bank: {$homoCreditTotal} рублей \n";
echo "Soft Bank: {$softBankTotal} рублей \n";
echo "StrawBerry Bank: {$strawBerryBankTotal} рублей \n";

/*
$sumCredit - сумма кредита
$percent - проценты 
$gross - комиссия
$pay - платеж
$onePay - доп платеж банка StrawBerry 
*/