<?php

error_reporting(-1);

function calcCredit($creditSum, $firstPayment, $monthlyPayment, $percent, $payout) {
	$payment = $creditSum + $firstPayment;
	echo "paymet = {$payment}\n";
	$totalPayout = 0;
	
	for (;;) {
		echo "paymnet = $payment";
		echo "payout = $payout";
		$payment = $payment * $pecent + $monthlyPayment;
		if ($payment >= $payout) {
			$payment -= $payout;
			$totalPayout += $payout;
		} else {
			$totalPayout += $payment;
			break;
		}
	}
	
	return $totalPayout;
}

$creditSum = 40000;
$payout = 5000;
$homoCretidTotal = calcCredit($creditSum, 0, 500, 1.04, $payout);
$softBankTotal = calcCredit($creditSum, 0, 1000, 1.03, $payout);
$strawberryBankTotal = calcCredit($creditSum, 7777, 0, 1.02, $payout);

echo "homoCredit = {$homoCretidTotal}\n";
echo "softBank = {$softBankTotal}\n";
echo "strawberryBank = {$strawberryBankTotal}\n";