<?php

error_reporting(-1);

function countCyka($creditSum, $percent, $servicePayment, $payout, $firstPay){
	//echo "{$creditSum}, {$firstPay}\n";
    $creditSum = $creditSum + $firstPay;
    //echo "{$creditSum}\n";
	$totalPay = 0;
	for ($month=0; $month <=20; $month++){
	$creditSum = $creditSum + ($creditSum * $percent) + $servicePayment;
	 if($creditSum < $payout){
	 	$payout = $creditSum;
	 	$creditSum = $creditSum - $payout;
	 	$totalPay = $totalPay + $payout;
	 	//echo "Ура, я расплатился! Потратил {$totalPay} рублей на эту срань!\n";
	 	break;
	 } else {
	 	$creditSum = $creditSum - $payout;
	 	$totalPay = $totalPay + $payout;
	 	//echo "Выплатил уже {$totalPay}.\n";
	 }
	}
	 return $totalPay;
}

$homoCreditTotal = countCyka(39999, 0.04, 500, 5000, 0);
$softBankTotal = countCyka(39999, 0.03, 1000, 5000, 0);
$strawberryBankTotal = countCyka(39999, 0.02, 0, 5000, 7777);
echo "Homocredit: {$homoCreditTotal}.\n";
echo "SoftBank: {$softBankTotal}.\n";
echo "StrawberryBank: {$strawberryBankTotal}.\n";
?>
// your code goes here