<?php 
error_reporting(-1); 
function credit($percent, $commission, $moneyOwed, $monthPayment) {
global $i;
for ($i=-1; $moneyOwed>0; $i++) { 
$moneyOwed=$moneyOwed*(1+$percent)+$commission-$monthPayment; 
if (($moneyOwed*(1+$percent)+$commission)<=$monthPayment) { 
$monthPayment=$moneyOwed*(1+$percent)+$commission;} 
$totalPayment=$totalPayment+$monthPayment;
};
return $totalPayment; }; 
echo "Bank HomoCredit\n"; 
$homoCredit=array(0.04, 500); 
$softBank=array(0.03, 1000);
$strawberryBank=array(0.02, 0);
$percent=0.04; $commission=500; 
$moneyOwed=39999; 
$monthPayment=5000; 
$HomoCreditPayment=credit($homoCredit[0], $homoCredit[1], $moneyOwed, $monthPayment); 
echo "{$i} months, total payment {$HomoCreditPayment}\n"; 
echo "Bank SoftBank\n";
$softBankPayment=credit($softBank[0], $softBank[1], $moneyOwed, $monthPayment);
echo "{$i} months, total payment {$softBankPayment}\n";
echo "Strawberry Bank\n";
$moneyOwed=39999+7777; 
$strawberryBankPayment=credit($strawberryBank[0], $strawberryBank[1], $moneyOwed, $monthPayment);
echo "{$i} months, total payment {$strawberryBankPayment}\n";
?>