<?php
 
error_reporting(-1);
 
function deposit($creditSum, $payout, $percent, $comission, $onePayment) {
	$paymentTotal = 0;
	$realPercents = 1 +($percent / 100);
	$finalMonthly = ($creditSum * $realPercents) + $comission + $onePayment;
	for ($i = 1; $i < 50; $i++) {
		$rest = $finalMonthly - $payout;
		$finalMonthly = round(($rest * $realPercents) + $comission, 2);
		$paymentTotal += $payout;
		if (($rest + $finalMonthly) < $payout) {
			$paymentTotal += ($rest + $finalMonthly);
			return $paymentTotal;
		}
	}
};
 
$creditSum = 39999;
$payout = 5000;
$homoCreditBank = deposit($creditSum, $payout, 4, 500, 0);
$softbankTotal = deposit($creditSum, $payout, 3, 1000, 0);
$strawberryBankTotal = deposit($creditSum, $payout, 2, 0, 7777);
 
echo "homoCredit: {$homoCreditBank} rub. \n";
echo "softbank: {$softbankTotal} rub. \n";
echo "strawberryBank: {$strawberryBankTotal} rub. \n";

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