I. 🍃Introduction
- Definition of high-income households
- Importance of understanding why banks may be more willing to lend to them

II. Banks may be more willing to lend to high-income households
- Explanation of why banks may be more confident of being repaid
- Discussion of how banks may charge a low interest rate for larger loans
- Explanation of why high-income households may be more confident of being able to repay the loan quickly

III. High-income households may have significant wealth/assets
- Discussion of how high-income households may be able to offer collateral
- Explanation of how this may make banks more willing to lend to them

IV. High-income households may borrow for big-ticket items/luxuries
- Examples of big-ticket items/luxuries that high-income households may borrow for
- Discussion of how this may increase/maintain status/living standards

V. 👉Conclusion
- Recap of why banks may be more willing to lend to high-income households
- Importance of understanding the reasons behind this lending behavior