<?php

error_reporting(-1);
$creditBalance = 40000;
$creditPercent = 1.03;
$creditComission = 1000;
$monthlyPayment = 5000;
$paymentTotal = 0;
$extraPayment = "x"

for ($month=1; $month <= 20; $month++) {
	$creditBalance = ($creditBalance * $creditPercent) + $creditComission - $monthlyPayment;
	$paymentTotal = $paymentTotal + $monthlyPayment;
	echo "{$month} месяц спустя: долг = {$creditBalance} руб, выплачено всего {$paymentTotal} руб.\n";

	if ($creditBalance < 5000) {
		$creditBalance = $paymentTotal - "x";
		echo "С меня  хватит!\n";
		break; 
	}
}
?>