<?php
 
function bestBankCalculator($percent, $commission, $years, $creditSum, $payout, $downPayment){
	$creditSum += $downPayment;
	for($i=0; $i<$years; $i++){
		$creditSum = ($creditSum * $percent + $commission);
		if($creditSum > $payout){
			$creditSum -= $payout;
			$totalPaid += $payout; 
		}
		else{
			$creditSum -= $creditSum;
			$totalPaid += $creditSum;
		}
	}
	return $totalPaid;
}
 
$homoCreditTotal = bestBankCalculator(1.04, 500, 15, 39999, 5000, 0);
$softbankTotal = bestBankCalculator(1.03, 1000, 15, 39999, 5000, 0);
$strawberryBankTotal = bestBankCalculator(1.02, 0, 15, 39999, 5000, 7777);
 
echo "homoCredit: {$homoCreditTotal} руб.\n";
echo "softbank: {$softbankTotal} руб. \n";
echo "strawberryBank: {$strawberryBankTotal} руб. \n";

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