<?php
 
error_reporting(-1);
 
function calculateTotalAmount($creditSum, $percent, $commission, $accountPayment, $monthlyPayment) {
    $creditSum += $accountPayment; // Это для 3-го банка //
    $totalAmount = 0;
    while ($creditSum > 0) {
        $creditSum = $creditSum * $percent + $commission; //Формула расчета осуществления ежем.выплат
        if ($creditSum >= $monthlyPayment) { //Если сумма к. > или = ежем.выплате, то
            $creditSum -= $monthlyPayment; // Производится выплата 5к, т.е. из суммы вычитаем 5к
            $totalAmount += $monthlyPayment; // Сюда заносится сумма выплат
        } else { // В других случаях, когда сумма меньше ежем. платежа, то
            $totalAmount += $creditSum; // к общему числу выплат заносится остаток
            $creditSum -= $creditSum; // из остатка вычитается сам остаток, доходя до 0, т.е. все выплачено
        }
    }
    return $totalAmount;
}
 
$creditSum = 39999;
$monthlyPayment = 5000;
 
$homoCredit = calculateTotalAmount($creditSum, 1.04, 500, 0, $monthlyPayment);
$softBank = calculateTotalAmount($creditSum, 1.03, 1000, 0, $monthlyPayment);
$strawberryBank = calculateTotalAmount($creditSum, 1.02, 0, 7777, $monthlyPayment);
 
echo "homoCredit: $homoCredit \n";
echo "SoftBank: $softBank \n";
echo "StrawberryBank: $strawberryBank ";

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