<?php


error_reporting(-1);

function findBank($find, $bankRating) {
        $find = array_search($find, $bankRating);
        return $find;
        }

function creditCalc($credit, $firstPay,$percent, $comission, $mountPay){
        $totalPay = 0;
        if ($firstPay != 0){
                $credit = $credit + $firstPay;
        }
        for($i = 0; $credit > 0; $i++){
        $mountPercent = round(($credit + $comission) * $percent/100, 2);
        $credit = $credit + $mountPercent + $comission;
        if ($credit < $mountPay){
                $mountPay = $credit;
        }
        $credit = $credit - $mountPay;
        $totalPay = $totalPay + $mountPay;
        }
        return $totalPay;
}


$credit   = 39999;
$mountPay = 5000;

$homoCreditTotal = creditCalc($credit, 0, 4, 500, $mountPay);
$softbankTotal   = creditCalc($credit, 0, 3, 1000, $mountPay);
$strawberrybank  = creditCalc($credit, 7777, 2, 0, $mountPay);

echo "Хоум-кредит: {$homoCreditTotal}\n";
echo "Софтбанк: {$softbankTotal}\n";
echo "Клубничка-банк: {$strawberrybank}\n";

$bankRating = array(
        'Хоум-кредит'    => $homoCreditTotal,
        'Софтбанк'       => $softbankTotal,
        'Клубничка-банк' => $strawberrybank
        );


$bestBank  = findBank(min($bankRating),$bankRating);
$worstBank = findBank(max($bankRating),$bankRating);


echo "Банк с наименьшей переплатой: {$bestBank}\n";
echo "Банк с наибольшей переплатой: {$worstBank}\n";

?>