<?php
 
error_reporting(-1);
 
$creditBalance = 40000;
$percent = 1.03;
$servicePayment = 1000;
$monthlyPayment = 5000;
$paymentTotal = 0;

for ($month = 1; $creditBalance > 0; $month ++) {

    $creditBalance = $creditBalance * $percent + $servicePayment;
    if ($creditBalance <= $monthlyPayment) {
	    $monthlyPayment = $creditBalance;
	    $creditBalance = 0;
    	$paymentTotal = $paymentTotal + $monthlyPayment;
    	echo "месяц $month \n всего выплачено	$paymentTotal\n последний платёж	$monthlyPayment \n долг	$creditBalance \n\n";
        echo "С меня хватит!";
    } else {
        $creditBalance = $creditBalance - $monthlyPayment;
        $paymentTotal = $paymentTotal + $monthlyPayment;
        echo "месяц $month \n всего выплачено	$paymentTotal\n последний платёж	$monthlyPayment \n долг	$creditBalance \n\n";
    }
}

?>