<?php
error_reporting(-1);

function totalPay($monthPay, $tax, $creditSum, $bankPercent, $bankName, $oneTimeTax) {
	for ($month = 1; $month <= 20; $month++) {
		$creditSum = ($creditSum * $bankPercent) + $tax - $monthPay;
		
		
		$total = $total + $monthPay;
	
			
		if ($creditSum < 0) {
			$monthPay = $creditSum;
			$total = $total + $monthPay + $oneTimeTax;
			$creditSum = $creditSum - $monthPay;
			$month = $month + 1;
			echo "Анон платит {$month} месяцев. Заплатит {$total} банку {$bankName}.\n";
			break;
		}
	}
	echo "\n\n";
}


$homoCredit = totalPay(5000, 500, 39999, 1.04, 'HOMOCREDIT', 0);
$softBank = totalPay(5000, 1000, 39999, 1.03, 'SOFTBANK', 0);
$strawberryBank = totalPay(5000, 0, 39999, 1.02, 'STRAWBERRYBANK', 7777);


echo "{$homoCredit}\n";
echo "{$softBank}\n";
echo "{$strawberryBank}\n";