如何修复“；否则；函数内部的块？

根据选中的输入，我的函数付款应使用cost.innerHTML显示工资。

但我有问题。我的块“else if”不工作。

<div class="form__propertyInputs">
        <span>qwerty</span> <input type="radio" name="propInput" id="property" checked>
        <span>Nonqwerty</span> <input type="radio" name="propInput" id="noneProperty">
      </div>

      <div class="form__ownershipInputs hide">
        <span>physical</span><input type="radio" name="ownerShipInput" id="physical">
        <span>judical</span><input type="radio" name="ownerShipInput" id="judical">
      </div>

      <div class="form__debt" id="debtBlock">
        <span>Debt:</span>
        <input type="text" id="debt">
      </div>

      <div class="form__result">
        <span>Sum:</span>
        <div class="form__result-input"></div>
      </div>

const debtBlock = document.querySelector('#debtBlock')
const debt = document.querySelector('#debt')
const ownershipInputs = document.querySelector('.form__ownershipInputs')
const property = document.querySelector('#property')
const noneProperty = document.querySelector('#noneProperty')
const cost = document.querySelector('.form__result-input')
const physical = document.querySelector('#physical')
const judical = document.querySelector('#judical')
let minSalary = 6700


noneProperty.addEventListener('change', toggleData)
property.addEventListener('change', toggleData)
debt.addEventListener('input', payment)


function toggleData() {
  ownershipInputs.classList.toggle('hide')
  debtBlock.classList.toggle('hide')
  cost.innerHTML = ""
  debt.value = ""
}

function payment() {
  if (property.checked) {
    if ((debt.value * 0.02) <= (minSalary * 10)) {
      cost.innerHTML = (debt.value * 0.02).toFixed(2) + " грн"
    } else if ((debt.value * 0.02) > (minSalary * 10)) {
      cost.innerHTML = (minSalary * 10) + " грн"
    }
  } else if (noneProperty.checked) {
    if (physical.checked) {
      cost.innerHTML = minSalary + " грн"
    } else if (judical.checked) {
      cost.innerHTML = minSalary * 2 + " грн"
    }
  }
}

调试器没有帮助。给我建议如何处理这个问题。