C++ Logical Operator Introduction

#include <iostream>

int main() {//from  w w w  .  jav a  2s  .c  o m
  int age {};                          // Age of the prospective borrower
  int income {};                       // Income of the prospective borrower
  int balance {};                      // Current bank balance

  std::cout << "Please enter your age in years:  ";
  std::cin >> age;
  std::cout << "Please enter your annual income in dollars: ";
  std::cin >> income;
  std::cout << "What is your current account balance in dollars: ";
  std::cin >> balance;

  if(age >= 21 && (income > 25000 || balance > 100000))
  {
    int loan {};                       // Stores maximum loan amount
    if(2*income < balance/2)
    {
      loan = 2*income;
    }
    else
    {
      loan = balance/2;
    }
    std::cout << "\nYou can borrow up to $" << loan << std::endl;
  }
  else
  { // No loan for you...
    std::cout << "\nUnfortunately, you don't qualify for a loan." << std::endl;
  }
}