<?php
 
error_reporting(-1);
 
$creditBalance = 40000;
$percent = 1.03;
$servicePayment = 1000;
$monthlyPayment = 5000;
$paymentTotal = 0;
 
for ($month = 1; $month <= 20; $month ++) {
 
$compulsoryPayment = ( $creditBalance * $percent ) + $servicePayment;
 
	if ($compulsoryPayment > $monthlyPayment) {
		$creditBalance = $compulsoryPayment - $monthlyPayment;
		$paymentTotal = $paymentTotal + $monthlyPayment;
	}
 
    elseif ($compulsoryPayment < $monthlyPayment) {
    	$creditBalance = $creditBalance - $creditBalance;
    	$paymentTotal = $paymentTotal + $compulsoryPayment;
    }
    
echo "{$month} месяц спустя: долг = {$creditBalance} руб, выплачено всего {$paymentTotal} руб. \n";
    
    if ($creditBalance == 0) {
		echo "Оплатил айфон, можно и на комплебахтер кредит брать\n";
   		break;
    }

}
 
?>