<?php

error_reporting(-1);

$creditBalance = 40000;
$percent = 1.03;
$servicePayment = 1000; 
$monthlyPayment = 5000; 
$paymentTotal = 0; 

for ($month = 1; $month <= 20; $month ++) {
	$creditBalance = ( $creditBalance * $percent ) + $servicePayment - $monthlyPayment; 
	$paymentTotal = $paymentTotal + $monthlyPayment; 
	
	echo "$month спустя: долг = $creditBalance руб, выплачено всего $paymentTotal руб.\n";
	
	if ($creditBalance < 5000) {
	$monthlyPayment = ( $creditBalance * $percent ) + $servicePayment;
	$paymentTotal = $paymentTotal + $monthlyPayment;
	break;
    }
}