<?php

error_reporting(-1);

function ioanCalc ($creditSum, $percent, $comission, $firstPay, $payout){
	
	$totalPay = 0;
    $percentSum =  $percent * ($creditSum + $firstPay)/100;

	for ($i = 0; $creditSum > 0; $i++) {
		$creditSum = $creditSum + $comission + $percentSum;
		if ($creditSum < $payout) {
			$payout = $creditSum;
		}
		$creditSum = $creditSum - $payout;
		$totalPay = $totalPay + $payout;
	}
	return $totalPay;
}

$creditSum = 39999;
$payout = 5000;
$totalPay = 0;

$homoCreditTotal     = ioanCalc($creditSum, 4, 500, 0, $payout);
$softbankTotal       = ioanCalc($creditSum, 3, 1000, 0, $payout);
$strawberrybankTotal = ioanCalc($creditSum, 2, 0, 7777, $payout);

echo "HomoCredit: {$homoCreditTotal}\n";
echo "Softbank: {$softbankTotal}\n";
echo "StrawberryBank: {$strawberrybankTotal}\n";


?>