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  1. <?php
  2. error_reporting(-1);
  3. function getCreditTotal($creditSum, $percent, $commission, $accountFee, $payout)
  4. {
  5. $debt = $creditSum + $accountFee; /* плата за счёт сразу увеличивает долг */
  6. $total = 0;
  7. $months = 0;
  8.  
  9. while ($debt > 0) {
  10. /* 1. начисляем проценты и комиссию */
  11. $debt = $debt * (1 + $percent) + $commission;
  12.  
  13. /* 2. платим не больше $payout за раз */
  14. $payment = min($payout, $debt);
  15. $debt -= $payment;
  16. $total += $payment;
  17. $months++;
  18. }
  19.  
  20. return array($total, $months);
  21. }
  22.  
  23. $creditSum = 40000;
  24. $payout = 5000;
  25.  
  26. list($homoCreditTotal, $homoMonths) = getCreditTotal($creditSum, 0.04, 500, 0, $payout);
  27. list($softbankTotal, $softMonths) = getCreditTotal($creditSum, 0.03, 1000, 0, $payout);
  28. list($strawberryTotal, $strawMonths) = getCreditTotal($creditSum, 0.02, 0, 7777, $payout);
  29.  
  30. echo "homoCredit: {$homoCreditTotal} руб. ({$homoMonths} мес.)\n";
  31. echo "softbank: {$softbankTotal} руб. ({$softMonths} мес.)\n";
  32. echo "strawberryBank: {$strawberryTotal} руб. ({$strawMonths} мес.)\n";
  33.  
  34. $best = min($homoCreditTotal, $softbankTotal, $strawberryTotal);
  35.  
  36. if ($best === $strawberryTotal) {
  37. echo "Выгоднее всего: strawberryBank\n";
  38. } elseif ($best === $homoCreditTotal) {
  39. echo "Выгоднее всего: homoCredit\n";
  40. } else {
  41. echo "Выгоднее всего: softbank\n";
  42. }
Success #stdin #stdout 0.02s 26088KB
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stdin
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stdout
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homoCredit: 56425.164153843 руб. (12 мес.)
softbank: 61270.186744521 руб. (13 мес.)
strawberryBank: 53561.117233508 руб. (11 мес.)
Выгоднее всего: strawberryBank
https://ideone.com/kAUv8u
language:
PHP (php 7.3.5)
created:
1 day ago
visibility:
public

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