<?php

error_reporting(-1);
$credit = 40000;
$percent = 1.03;
$comission = 1000;
$payment = 5000;
$total = 0;
 for ($month = 0; $month <=20; $month ++) {
 	$credit = $credit * $percent + $comission - $payment;
 	$total = $total +5000;
 	  if ($credit <= 5000) {
 	  	$total = $total + ceil($credit);
 	  	$month = $month +1;
 	  	$credit = ceil($credit);
 	  	echo "Последний платеж составит {$credit} рублей\n";
 	  	echo "Общая выплаченая сумма составила $total рублей\n";
 	  	echo "Срок выплат составил $month месяцев";
 	  	break;
 	  }
}