<?php
    error_reporting(-1);
    function bank($creditBalance,$percent,$monthlyPayment,$servicePayment)  {
		if ($servicePayment = 500) { $bankname = "HomoCredit";} //??? 
		else {$bankname = "Softbank";} // ???
		$paymentTotal=0;
    for ($month = 0; $creditBalance > 0 ; ++$month) {
    	$creditBalance = ( $creditBalance * $percent ) + $servicePayment - $monthlyPayment;
    	$paymentTotal = $paymentTotal + $monthlyPayment; 
          if ($creditBalance < 0) {
              echo "С меня хватит!\n";
              $paymentTotal= $paymentTotal + $creditBalance;
    	$creditBalance=0;
    	echo "{$month} месяц спустя: долг = {$creditBalance} руб, выплачено всего {$paymentTotal} руб. \n банк {$bankname} \n" ; 
              break;
          }
    } } 
bank(39999,1.03,5000,1000);
bank(39999,1.04,5000,500);
?>