<?php

error_reporting(-1);

function credit($percent, $service, $oneTimePay) { //Процентная ставка, ежемесячный платёж, единоразовый платёж
	$creditBalance = 39999; //сумма кредита
	$paymentTotal = 0; //общая сумма выплат
	$mountlyPayment = 5000; //ежемесячная выплата
	
	$creditBalance = $creditBalance + $oneTimePay; 
	 
	for ($mounth = 0; $creditBalance > 0; $mounth++) {
		$creditBalance = ($creditBalance * $percent) + $service;
		
		if ($creditBalance < $mountlyPayment) { //проверка не больше ли месячный платёж остатка по кредиту, чтобы банк не залез в минус
			$mountlyPayment = $creditBalance;
		}
	    
	    $creditBalance = $creditBalance - $mountlyPayment;
	    $paymentTotal = $paymentTotal + $mountlyPayment;
	}
	
	return $paymentTotal; //возврат общей суммы выплат
}

$homoCreditBank = credit(1.04, 500, 0);
$softBank = credit(1.03, 1000, 0);
$strawberryBank = credit(1.02, 0, 7777);
echo "HomoCreditBank: {$homoCreditBank}\n";
echo "SoftBank: {$softBank}\n";
echo "StrawberryBank: {$strawberryBank}\n";
?>