Best loan in uk

$totalLoan=$_POST['amount'];
$interest=$_POST['rate'];
$years=$_POST['years'];

$downpayment=$_POST['downpayment'];
$tradeinvalue=$_POST['tradeinvalue'];

$totalLoan=$totalLoan-$downpayment;
$totalLoan=$totalLoan-$tradeinvalue;

if($totalLoan and $interest and $years){
function calculateMonthlyAmortizingCost($totalLoan, $years, $interest)
{
$tmp = pow((1 + ($interest / 1200)), ($years * 12));
return round(($totalLoan * $tmp) * ($interest / 1200) / ($tmp – 1));

}
echo ““;
echo calculateMonthlyAmortizingCost($totalLoan, $years, $interest);
echo ” per month“;

}