<?php

error_reporting(-1);

function getBalance($percent, $servicePayment, $creditBalance, $paymentTotal) {
    $monthlyPayment = 5000;
    for ($month = 1; $month <= 20; $month++) {
	$creditBalance = ($creditBalance * $percent) + $servicePayment;
	if ($creditBalance < 5000) {
		$monthlyPayment = $creditBalance;
		$paymentTotal = ($paymentTotal + $monthlyPayment);
		$creditBalance = ($creditBalance - $monthlyPayment);
		break;
	} elseif ($creditBalance > 5000) {
	$paymentTotal = ($paymentTotal + $monthlyPayment);
	$creditBalance = ($creditBalance - $monthlyPayment);
	}  
}
return $paymentTotal;
}

$homoCreditTotal = getBalance(1.04, 500, 39999, 0);
$softBank = getBalance(1.03, 1000, 39999, 0);
$strawberryBank = getBalance(1.03, 0, 47776, 0);

echo "homocredit = $homoCreditTotal\n";
echo "softbank = $softBank\n";
echo "strawberrybank = $strawberryBank\n";