<?php
 
error_reporting (-1);
 
function countLoanCost($percent, $servicePayout, $openPayout, $creditSum, $maxPayout){
    $creditBalance = $creditSum + $openPayout;
    $paymentTotal = 0;
        for ( $month=1; $month <= 100000; $month++ ) {
            $creditBalance = round(($creditBalance * $percent) + $servicePayout, 2);
            $anonPays = min($maxPayout, $creditBalance);
            $creditBalance -= $anonPays;
            $paymentTotal += $anonPays;
               if ($creditBalance == 0) {
               break;
             } 
          }
      return $paymentTotal; 
}
 
$creditSum = 39999;
$maxPayout= 5000;
$homoCreditTotal = countLoanCost(1.04, 500, 0, $creditSum, $maxPayout);
$softBankTotal = countLoanCost(1.03, 1000, 0, $creditSum, $maxPayout);
$strawberryBankTotal = countLoanCost(1.02, 0, 7777, $creditSum, $maxPayout);
 
echo "HomoCredit : {$homoCreditTotal} руб.\n";
echo "SoftBank :  {$softBankTotal} руб.\n";
echo "StrawberryBank : {$strawberryBankTotal} руб.\n";
 
?>