<?php

error_reporting(-1);

function countPayment($percent,$commission){
            $creditBalance=39999;
            $monthlyPayment=5000;
            $paymentTotal=0;
            $initialPayment=7777;
            for($i=0;$creditBalance>0;$i++) {
                 if($commission==0){
                    $creditBalance=$creditBalance+$initialPayment;
                    $commission--;
                }elseif(($credit=($creditBalance*$percent)+$commission)>=$monthlyPayment){
                    $creditBalance=$credit-$monthlyPayment;
                    $paymentTotal=$monthlyPayment+$paymentTotal;
                }elseif(($credit=($creditBalance*$percent)+$commission)<$monthlyPayment){
                    $creditBalance=$credit-$credit;
                    $paymentTotal=$paymentTotal+$credit;
                }else{
                }
            }
              return $paymentTotal;
}

$homoCreditTotal = countPayment(1.04,500);
$softBankTotal = countPayment(1.03,1000);
$strawberryBankTotal = countPayment(1.02,0);

echo "homocredit: {$homoCreditTotal}руб.\n";
echo "softbank: {$softBankTotal}руб.\n";
echo "strawberrybank: {$strawberryBankTotal}руб.\n";

if(($homoCreditTotal<$softBankTotal)&&($homoCreditTotal<$strawberryBankTotal)){
	echo "Кредит в Homocredit самый выгодный\n";
}elseif(($softBankTotal<$homoCreditTotal)&&($softBankTotal<$strawberryBankTotal)){
	echo "Кредит в Softbank самый выгодный\n";
}elseif(($strawberryBankTotal<$homoCreditTotal)&&($strawberryBankTotal<$softBankTotal)){
	echo "Кредит в Strawberrybank самый выгодный\n";
}