<?php
 
error_reporting(-1);
 
$creditBalance = 40000;
$percent = 1.03;
$servicePayment = 1000;
$monthlyPayment = 5000;
$paymentTotal = 0;
 
for ($month = 1; $month <= 20; $month ++) {
 
	$compulsoryPayment = ( $creditBalance * $percent ) + $servicePayment;
	$payment = min($compulsoryPayment, $monthlyPayment);
	$creditBalance = $compulsoryPayment - $payment;
	$paymentTotal = $paymentTotal + $payment;

	echo "{$month} месяц спустя: долг = {$creditBalance} руб, выплачено всего {$paymentTotal} руб. \n";
 
	if ($creditBalance == 0) {
		echo "Оплатил айфон, можно и на комплебахтер кредит брать\n";
		break;
	}
 
}
 
?>