<?php

error_reporting(-1);

$creditBalance = 40000;
$percent = 1.03;
$servicePayment = 1000;
$monthlyPayment = 5000;
$paymentTotal = 0;

for($month = 1; $month < 20; $month++){

$creditBalance = ($creditBalance * $percent) + $servicePayment;

if($creditBalance <= $monthlyPayment) {
	$paymentTotal += $creditBalance;
	$creditBalance = 0;
	echo "Гашу кредит {$paymentTotal}";
	break;
	
}
$creditBalance -= $monthlyPayment;
$paymentTotal += $monthlyPayment;
echo "{$month} месяц спустя ваш долг {$creditBalance}. Всего денег выплачено {$paymentTotal}\n";
}