<?php
 
error_reporting(-1);
 
$creditBalance = 40000;
$percent = 1.03;
$servicePayment = 1000;
$monthlyPayment = 5000;
$paymentTotal = 0;
 
for ($month = 1; $month <= 20; $month ++) {
	if ($creditBalance > $monthlyPayment) {
	$creditBalance = ( $creditBalance * $percent ) + $servicePayment - $monthlyPayment;
	}else{
	$monthlyPayment = $creditBalance;
	$creditBalance = 0;
	}
	$paymentTotal = $paymentTotal + $monthlyPayment;
	echo "{$month} месяц спустя: долг = {$creditBalance} руб, выплачено всего {$paymentTotal} руб. \n";
      if ($creditBalance == 0) {
          echo "С меня хватит!\n";
          break;
      }
}

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