<?php

error_reporting(-1);

function calcCred($mothPercent, $comission, $openAccPay)
{
    $deposit      = 39999 + $openAccPay;
    $mothPay      = 5000;
    $totalPayment = 0;
    for ($i = 0; $deposit > 0; $i++) {
        $deposit      = $deposit * $mothPercent + $comission - $mothPay;
        $totalPayment = $totalPayment + $mothPay;
        if (($deposit * $mothPercent + $comission) <= $mothPay) {
            $mothPay      = $deposit * $mothPercent + $comission;
            $totalPayment = $totalPayment + $mothPay;
            $deposit      = 0;
            $i++;
        }
    }
    return ($totalPayment);
}
;
$homoBank = calcCred(1.04, 500, 0);
echo "В HOMOBANK Анон заплатит $homoBank рублей \n";
$softBank = calcCred(1.03, 1000, 0);
echo "В Softbank Анон заплатит $softBank рублей \n";
$strawberryBank = calcCred(1.02, 0, 7777);
echo "В StrawberryBank Анон заплатит $strawberryBank рублей \n";