<?php

	error_reporting(-1);
	mb_internal_encoding('utf-8');
	
	function calculationPayment($percent, $commission, $payOpeningAccount, $payout, $creditSum){
		$amountPayment = 0;
		$amountCredit = $creditSum + $payOpeningAccount;
		for($month = 0; $amountCredit != 0; $month++){
			$amountCredit += $percent*$amountCredit + $commission;
			if ($amountCredit < $payout){
				$amountPayment += $amountCredit;
				$amountCredit -= $amountCredit;
			}else{
				$amountPayment += $payout;
				$amountCredit -= $payout;
			}
		}
		$return = array (
			'month' => $month,
			'amountPayment' => $amountPayment
		);
		
		return $return;
	}
	
	$creditSum = 39999;
	$payout = 5000;
	
	$homoCreditTotal = calculationPayment(0.04, 500, 0, $payout, $creditSum);
	$softbankTotal = calculationPayment(0.03, 1000, 0, $payout, $creditSum);
	$strawberryBankTotal = calculationPayment(0.02, 0, 7777, $payout, $creditSum);
	
	echo "homoCredit Сумма выплат: {$homoCreditTotal['amountPayment']} Срок в месяцах: {$homoCreditTotal['month']}\n";
	echo "softbank: {$softbankTotal['amountPayment']} Срок в месяцах: {$softbankTotal['month']}\n";
	echo "strawberryBank: {$strawberryBankTotal['amountPayment']} Срок в месяцах: {$strawberryBankTotal['month']}\n";
?>