<?php
function calculateTotalAmount($creditSum, $percent, $commission, $accountPayment, $monthlyPayment) {
    $creditSum += $accountPayment; //Adding account opening fee
    $totalAmount = 0;
    while ($creditSum > 0) {
        $creditSum = $creditSum * $percent + $commission;
        if ($creditSum >= $monthlyPayment) {
            $creditSum -= $monthlyPayment;
            $totalAmount += $monthlyPayment;
        } else {
            $totalAmount += $creditSum;
            $creditSum -= $creditSum;
        }
    }
    return $totalAmount;
}

$creditSum = 39999;
$monthlyPayment = 5000;

$homoCredit = calculateTotalAmount($creditSum, 1.04, 500, 0, $monthlyPayment);
$softBank = calculateTotalAmount($creditSum, 1.03, 1000, 0, $monthlyPayment);
$strawberryBank = calculateTotalAmount($creditSum, 1.02, 0, 7000, $monthlyPayment);

echo "homoCredit: $homoCredit \n";
echo "SoftBank: $softBank \n";
echo "StrawberryBank: $strawberryBank ";