Default function parameter values in JavaScript

const homeCost = 1000000;
const loanPeriods = 240;

function evaluateHomeLoanApplication(name, income, deposit) {
  const approvalThreshold = (homeCost - deposit) / loanPeriods;
  if (income >= approvalThreshold) {
    console.log(`Loan application for ${name} approved.`);
  } else {
    console.log(`Loan application for ${name} denied.`);
  }
}

evaluateHomeLoanApplication("John Smith", 4200); // application denied
evaluateHomeLoanApplication("Jane Doe", 4000, 100000); // application approved

const approvalThreshold = (1000000 - undefined) / 240

const homeCost = 1000000;
const loanPeriods = 20 * 12;

function evaluateHomeLoanApplication(name, income, deposit = 0) {
  const approvalThreshold = (homeCost - deposit) / loanPeriods;
  if (income >= approvalThreshold) {
    console.log(`Loan application for ${name} approved.`);
  } else {
    console.log(`Loan application for ${name} denied.`);
  }
}

evaluateHomeLoanApplication("Jane Doe", 4200); // application approved
evaluateHomeLoanApplication("Jane Doe", 4000, 100000); // application approved

function submitLoanApplication(name, message = `Your loan application has been submitted, ${name}.`) {
  console.log(message);
}

submitLoanApplication("Jane Doe"); // will print "Your loan application has been submitted, Jane Doe."
submitLoanApplication("John Smith", "A custom message."); // will print "A custom message."

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