<?php

$creditBalance = 40000;
$percent = 1.03;
$servicePayment = 1000;
$monthlyPayment = 5000;
$paymentTotal = 0; 
$thatMouthPay = 0;

for ($month = 1; $creditBalance > 0; $month++) {
	$thatMouthPay = ($creditBalance * $percent) + $servicePayment;
	$creditBalance = $thatMouthPay - $monthlyPayment;
	if ($thatMouthPay < $monthlyPayment) {
		$monthlyPayment = $thatMouthPay;
		echo "Анон выплатил кредит через {$month} месяцев. Всего выплачено {$paymentTotal}\n";

	}
	
	
	$paymentTotal = $paymentTotal + $monthlyPayment;
	echo "{$month} месяц спустя: долг = {$creditBalance} руб, выплачено всего {$paymentTotal} руб. \n";
		
	
	
	
}

?>