<?php
 
error_reporting(-1);
 
function countTotalCost ($percent, $serviceFee) {
    for ($months = 2, $debt = 39999, $monthlyPayment = 5000, $paymentTotal = 0; $months < 32; $months++) {
        $debt = $debt + ($debt * $percent) + $serviceFee - 5000;
        $paymentTotal = $paymentTotal + $monthlyPayment;
    if ($serviceFee == 7777) {
        $debt = $debt - $serviceFee;
}
    if ($debt + ($debt * $percent) + $serviceFee < $monthlyPayment) {
        $paymentTotal = $paymentTotal + $debt + ($debt * $percent) + $serviceFee;
        $months++;
        break;
}
}
    return $paymentTotal;
}
 
$creditSum = 39999;
$payOut = 5000;
$homoCreditTotal = countTotalCost (1.04, 500);
$softBankTotal = countTotalCost (1.03, 1000);
$strawberryBankTotal = countTotalCost (1.02, 7777);
 
 
echo "If you go to HomoCredit you'll pay {$homoCreditTotal} rubles eventually \n";
echo "If you go to SoftBank you'll pay {$softBankTotal} rubles eventually \n";
echo "If you go to StawberryBank you'll pay {$strawberryBankTotal} rubles eventually \n";

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