<?php

error_reporting(-1);
$credit = 40000 ;
$payment = 5000 ;
$procent = 1.03 ;
$comission = 1000 ;
$paymenTotal = 0

for ($month = 1 ; $month <= 12 ; $month ++) {
	$credit= ($credit * $procent) - $payment + $comission ;
	$paymentTotal = $paymentTotal + $payment ;
	echo "Спустя $month месяцев выплачено $paymentTotal осталось выплатить $credit \n" ;
	if ($credit <=0){
    echo "Выплачено!" ;
    break ;}
}