use the java script and write the code:

1. Effective Rate (ER): over 1% more, if ER is more than the stated rate + 1%; similar, otherwise.

2. Amortized Payment (AP):

i. very affordable, AP less than $1000

ii. affordable, AP between $1000 and $2000 (inclusive)

iii. expensive, AP over $2000

3. Remaining Balance (RB): last payment, if RB is less than the regular payment OR the number of payments made is one less than the total number of payment; thank you, otherwise.