com.avnester.mcp/property-intelligence

Est-ce que com.avnester.mcp/property-intelligence est sûr ?

Au dernier audit MCP Hub, le serveur MCP « com.avnester.mcp/property-intelligence » est classé « Non encore testé ». Référencé dans l'annuaire. Seul le pentest comportemental fait foi, et il n'a pas encore été exécuté sur ce serveur. Le verdict est réévalué en continu ; consultez la fiche pour l'état à jour.

Méthode : MCP Hub analyse la description de chaque outil (couche 1) et, pour le verdict fort, exécute le serveur dans une micro-VM isolée avec leurres et réseau bloqué (couche 2). On publie des noms et des compteurs, jamais le contenu brut renvoyé par un outil.

Les 11 outils

• calculate_home_affordability≈ 736 tokens

  Estimate the monthly home-loan EMI / monthly payment in India — a home-loan calculator. Deterministic math; not advice or a loan-approval claim. Two modes: pass propertyValue (80% LTV assumed) OR loanAmount for a specific loan (e.g. "₹50 lakh loan"). Use for "what would my EMI be" / "monthly payment on …". The response `assumptionNote` states the basis in plain words. Always surface the disclaimer field.

  Paramètres, retour & exemple (4)

  Paramètres

  • loanAmount · integer · optionnel
    Loan amount in INR. Pass this when the user states a specific loan (e.g. "₹50 lakh loan") rather than a property price. Defaults to 80% of propertyValue if omitted.
  • tenureYears · integer · optionnel
    Loan tenure in years. Defaults to 20.
  • propertyValue · integer · requis
    Property value (price) in INR. When the user states a property/home price, put it here — an 80% loan is assumed unless loanAmount is also given.
  • interestRatePercent · number · optionnel
    Annual interest rate (percent). Defaults to current market estimate.

  Exemple d'appel

  {"name": "calculate_home_affordability", "arguments": {"propertyValue": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"emi": 1, "cards": [], "disclaimer": "texte", "loanAmount": 1, "assumptions": {}, "attribution": "AVnester", "tenureYears": 1, "totalPayment": 1, "totalInterest": 1, "assumptionNote": "texte", "inputPropertyValue": 1, "interestRatePercent": 1}}

• compare_balance_transfer≈ 822 tokens

  Compare staying on your current home loan vs. transferring (refinancing) to a lower rate. Pure deterministic math — no advice, no loan-approval claim. Use when the user asks "should I switch lenders / transfer my loan / refinance". Returns new EMI, interest saved over the remaining tenure, switching cost, net saving, and the breakeven month. Always surface the disclaimer field.

  Paramètres, retour & exemple (6)

  Paramètres

  • flatCosts · integer · optionnel
    Flat legal + valuation charges in INR. Defaults to ₹12,500.
  • newRatePercent · number · requis
    New lender annual interest rate (percent).
  • processingFeePct · number · optionnel
    New-lender processing fee on the balance (percent). Defaults to 0.5%.
  • currentRatePercent · number · requis
    Current annual interest rate (percent).
  • outstandingPrincipal · integer · requis
    Current outstanding home-loan principal in INR.
  • remainingTenureYears · integer · requis
    Years left on the loan.

  Exemple d'appel

  {"name": "compare_balance_transfer", "arguments": {"newRatePercent": 1, "currentRatePercent": 1, "outstandingPrincipal": 1, "remainingTenureYears": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"cards": [], "newEmi": 1, "worthIt": true, "netSaving": 1, "currentEmi": 1, "disclaimer": "texte", "assumptions": {}, "attribution": "AVnester", "switchingCost": 1, "newRatePercent": 1, "breakevenMonths": 1, "monthlyEmiSaving": 1}}

• compare_localities≈ 912 tokens

  Compare 2–3 localities in one city side-by-side: price trends, livability, investment grade, strengths, and watchouts. Use when the user asks "X vs Y" or "which is better for buying/renting" about neighborhoods. Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. For specific LISTINGS by ID, use compare_properties instead.

  Paramètres, retour & exemple (3)

  Paramètres

  • city · string · requis
    Indian city covering all compared localities.
  • localities · array · requis
    2–3 localities to compare (array, not comma-separated string).
  • propertyType · string · optionnel · apartment | villa | plot | independent_house
    Property type for comparison.

  Exemple d'appel

  {"name": "compare_localities", "arguments": {"city": "texte", "localities": []}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"city": "texte", "cards": [], "supported": true, "comparison": {}, "disclaimer": "texte", "handoffUrl": "texte", "localities": [], "attribution": "AVnester", "scopeMessage": "texte", "supportedCities": [], "resolvedLocalities": {}}}

• compare_properties≈ 1456 tokens

  Compare 2–5 AVnester listings by listingId, side-by-side. Get IDs from search_properties first (not guessable). If the user has more than 5 candidates ("compare all"), pick the most relevant 5 (cheapest / largest / best ₹/sqft) and say so. Returns each listing plus pricePerSqft, vsCheapestPercent (0 = cheapest), vsLargestAreaPercent (0 = largest). Unknown IDs return not_found_or_unpublished. Does NOT recommend a purchase. Show verification.caveats with verified. Always surface the disclaimer.

  Paramètres, retour & exemple (1)

  Paramètres

  • listingIds · array · requis
    2–5 AVnester listingIds (from search_properties results) to compare. IDs are not guessable — call search_properties first. Order is preserved in the output.

  Exemple d'appel

  {"name": "compare_properties", "arguments": {"listingIds": []}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"cards": [], "framing": "texte", "message": "texte", "comparison": [], "disclaimer": "texte", "attribution": "AVnester"}}

• estimate_stamp_duty_and_registration≈ 1672 tokens

  Estimate Indian state stamp duty + registration charges on a property purchase. Supports all 28 states + 8 UTs with buyer-gender concessions, urban/rural overrides, and commercial/agricultural multipliers. Pass constructionStatus to also itemize GST (under-construction 1%/5%, ready/resale 0%) for an all-in statutory quote. Returns supported=false for states outside India (supported set named in rateBasis). Not legal/tax advice. Always surface the disclaimer.

  Paramètres, retour & exemple (11)

  Paramètres

  • city · string · optionnel
    City or town, e.g. "Pune". Decides the rate where the state prices by location (MH, KA, WB, MP, HR): Pune 7%, Mumbai 6%. Send the place as the buyer names it ("Kharghar"), not the wider city it is listed under.
  • state · string · requis
    Indian state — ISO code ("MH"), slug ("maharashtra") or name ("Maharashtra"). Required.
  • isUrban · boolean · optionnel
    Urban (default) or rural. Used for the location when city and localBody are absent.
  • firstSale · boolean · optionnel
    True for the FIRST sale of a flat, from the builder (not the buyer's first home); false for a resale. Changes the duty only where a state has a first-sale rate (KA). Omit when unknown: a resale is priced, and said where it matters. Absent: constructionStatus under_construction ⇒ true, resale ⇒ false, ready_to_move decides nothing (may be a resale).
  • localBody · string · optionnel · municipal_corporation | municipal_council | gram_panchayat
    Where the property is, in a state that prices by it (MH, KA, WB, MP, HR): gram_panchayat (village), municipal_council (town) or municipal_corporation (city); overrides city. Omit when unknown (a corporation is priced, and said).
  • buyerGender · string · optionnel · male | female | joint
    "female" (a woman), "joint" (a man and a woman together) or "male" (default; two women: female). Changes the price only where a state gives women a concession. Overrides isWomanBuyer.
  • isWomanBuyer · boolean · optionnel
    Backward-compatibility shim — prefer buyerGender. When true, internally treated as buyerGender="female".
  • propertyType · string · optionnel · residential | commercial | agricultural | plot
    residential (default), plot (bare land; a residential-only concession does not reach it), commercial or agricultural.
  • propertyValue · integer · requis
    Sale value in INR for stamp-duty calculation.
  • carpetAreaSqft · integer · optionnel
    Carpet area (sqft) — with value, decides the affordable-housing 1% GST slab.
  • constructionStatus · string · optionnel · under_construction | ready_to_move | resale
    When set, also itemizes GST: under-construction = 1% (affordable) / 5%; ready/resale = 0%. Omit → GST not computed.

  Exemple d'appel

  {"name": "estimate_stamp_duty_and_registration", "arguments": {"state": "texte", "propertyValue": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"gst": {}, "cards": [], "state": "texte", "total": 1, "location": {}, "rateBasis": "texte", "stampDuty": 1, "stateCode": "texte", "stateName": "texte", "supported": true, "disclaimer": "texte", "surcharges": []}}

• get_locality_insights≈ 909 tokens

  Get aggregated insights for one locality: ₹/sqft, supply count, demand pulse, livability/investment grade, highlights, watchouts, monthly priceTrends, and strengthTags. Use when the user asks "what is X locality like". Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. Always surface the disclaimer field when returning livability or investment grade.

  Paramètres, retour & exemple (2)

  Paramètres

  • city · string · requis
    Indian city (required).
  • locality · string · requis
    Locality name within an Indian city.

  Exemple d'appel

  {"name": "get_locality_insights", "arguments": {"city": "texte", "locality": "texte"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"city": "texte", "cards": [], "message": "texte", "insights": {}, "locality": "texte", "freshness": {}, "supported": true, "disclaimer": "texte", "handoffUrl": "texte", "attribution": "AVnester", "scopeMessage": "texte", "supportedCities": []}}

• get_property_decision_intelligence≈ 2960 tokens

  Assess whether a buyer can afford a specific Indian home — ONE verdict (AFFORDABLE / STRETCH / NOT_YET / INELIGIBLE) combining indicative eligibility (FOIR/LTV/CIBIL), EMI, true cash-to-close (down payment + stamp duty + registration + itemized GST), regime-aware tax, and an indicative lender-fit triage. Mode A: an AVnester listingId. Mode B: propertyValue + state (any Indian state). NOT a loan approval, offer, or advice. Always surface the disclaimer.

  Paramètres, retour & exemple (24)

  Paramètres

  • city · string · optionnel
    City (manual mode), e.g. "Pune" — decides Maharashtra stamp duty and the GST metro cap. Listing mode reads the listing.
  • state · string · optionnel
    Indian state (ISO "MH"/slug/name) for stamp duty. Required in manual mode; ignored in listing mode.
  • isUrban · boolean · optionnel
    Urban (default) or rural, where the state prices by location (MH, KA, WB, MP, HR); localBody or a known city decides instead.
  • assetType · string · optionnel · home | plot
    "home" (flat/villa/house) or "plot" (bare land); manual mode only. Plot → shorter tenure, no home-loan tax benefit.
  • firstSale · boolean · optionnel
    True for the FIRST sale of a flat, from the builder (not the buyer's first home); false for a resale. Changes the duty only where a state has a first-sale rate (KA). Omit when unknown: a resale is priced, and said where it matters. If absent, isUnderConstruction true means true.
  • jointLoan · boolean · optionnel
    Joint home loan — doubles 80C/24b caps (equal split).
  • listingId · string · optionnel
    An AVnester listingId. Listing mode — propertyValue, state and city are then ignored, with a warning.
  • localBody · string · optionnel · municipal_corporation | municipal_council | gram_panchayat
    Where the property is, in a state that prices by it (MH, KA, WB, MP, HR): gram_panchayat (village), municipal_council (town) or municipal_corporation (city); overrides city. Omit when unknown (a corporation is priced, and said). Manual mode only.
  • annualRent · integer · optionnel
    Annual rent received (let-out).
  • cibilScore · integer · optionnel
    Numeric CIBIL score. Omit → eligibility stays indicative.
  • buyerGender · string · optionnel · male | female | joint
    "female" (a woman), "joint" (a man and a woman together) or "male" (default; two women: female). Changes the price only where a state gives women a concession.
  • tenureYears · integer · optionnel
    Loan tenure in years. Defaults to 20.
  • propertyValue · integer · optionnel
    Property price in INR (manual mode). Pass with state (and city where it matters).
  • carpetAreaSqft · integer · optionnel
    Carpet area (sqft) — sharpens the affordable-housing GST test (with the ₹45L value cap).
  • employmentType · string · optionnel · salaried | self_employed
    Employment type (affects tax standard deduction).
  • occupancyIntent · string · optionnel · self_occupied | let_out
    Self-occupied vs let-out — changes §24(b) interest treatment. Omitted → self-occupied.
  • residencyStatus · string · optionnel · resident | nri
    Residency status.
  • monthlyNetIncome · integer · requis
    Buyer monthly take-home income in INR.
  • savingsAvailable · integer · optionnel
    Liquid cash for down payment + charges — enables the cash-gap calc.
  • annualIncomeForTax · integer · optionnel
    Annual income for tax. Defaults to monthlyNetIncome × 12.
  • existingMonthlyEmis · integer · optionnel
    Existing monthly loan EMIs in ₹ (car/personal/cards). Omitted → assumed ₹0, which can inflate eligibility and flip the verdict — ask the buyer.
  • interestRatePercent · number · optionnel
    Override annual interest rate. Defaults to indicative market rate.
  • isUnderConstruction · boolean · optionnel
    Under-construction → GST applies; ready-to-move → no GST. Omitted → ready-to-move (no GST).
  • coApplicantMonthlyIncome · integer · optionnel
    Co-applicant monthly income (joint affordability).

  Exemple d'appel

  {"name": "get_property_decision_intelligence", "arguments": {"monthlyNetIncome": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"emi": {}, "tax": {}, "mode": "listing", "cards": [], "trust": {}, "verdict": {}, "notFound": true, "warnings": [], "assetType": "home", "lenderFit": {}, "disclaimer": "texte", "assumptions": {}}}

• get_property_details≈ 1340 tokens

  Fetch full public details for one AVnester listing by its listingId (from search_properties results — IDs are not guessable). Listings cover Tamil Nadu; unknown or unpublished IDs return { listing: null, notFound: true } (never throws, to avoid leaking existence). Use when the user references a specific listing. State verification.caveats beside the verified flag: an approval is not a title, ownership or encumbrance check. Read-only, no side effects.

  Paramètres, retour & exemple (1)

  Paramètres

  • listingId · string · requis
    AVnester listingId, as returned in search_properties results (the `listingId` field). IDs are not guessable — call search_properties first. Also the trailing segment of a listing sourceUrl.

  Exemple d'appel

  {"name": "get_property_details", "arguments": {"listingId": "texte"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"cards": [], "trust": {}, "listing": {}, "message": "texte", "notFound": true, "disclaimer": "texte", "handoffUrl": "texte", "attribution": "AVnester"}}

• optimize_home_loan_tax_regime≈ 1592 tokens

  Compare a home-loan borrower's income tax under the OLD vs NEW regime (FY2026-27) and recommend which regime saves more income tax. Pure deterministic slab math — not tax advice. Use when the user asks "old or new tax regime", "home-loan tax benefit", or "section 80C / 24(b) deduction". Models §24(b) interest + §80C principal (+ joint-loan doubling); the response lists benefits it does NOT model (capital gains, HRA, etc.). Always surface the disclaimer field.

  Paramètres, retour & exemple (18)

  Paramètres

  • ageBand · string · optionnel · below60 | senior | super_senior
    Taxpayer age band — raises the OLD-regime basic exemption (senior 60–80 → ₹3L, super-senior 80+ → ₹5L). New regime unaffected. Defaults to below60.
  • other80C · integer · optionnel
    Other 80C investments in INR (PF, ELSS, insurance, etc.).
  • jointLoan · boolean · optionnel
    Joint loan with a co-borrower — doubles the 80C/24b caps (equal-split assumption).
  • saleValue · integer · optionnel
    NRI only — sale consideration in INR for §195 TDS computation.
  • annualRent · integer · optionnel
    Annual rent received in INR — required for let_out.
  • isSalaried · boolean · optionnel
    Whether the taxpayer is salaried (gets the standard deduction).
  • hasForm15CB · boolean · optionnel
    NRI only — whether Form 15CB CA-attestation is already in hand.
  • indexedCost · integer · optionnel
    NRI only — indexed cost of acquisition (LTCG). When omitted, TDS computed on full sale value.
  • annualIncome · integer · requis
    Annual gross income in INR EXCLUDING house property (salary + other income).
  • propertyType · string · optionnel · self_occupied | let_out
    Whether the property is self-occupied or let out.
  • holdingMonths · integer · optionnel
    NRI only — holding period in months. ≤24 is STCG; >24 is LTCG.
  • nroBalanceUsd · number · optionnel
    NRI only — NRO account balance in USD equivalent for the repatriation cap math.
  • ytdRemittedUsd · number · optionnel
    NRI only — FY-to-date USD already remitted under the $1M cap.
  • residencyStatus · string · optionnel · resident | nri
    Default resident. Pass nri to get §195 TDS + LRS-cap math in the response.
  • homeLoanInterest · integer · requis
    Annual home-loan interest paid (INR).
  • homeLoanPrincipal · integer · requis
    Annual home-loan principal repaid (INR) — counts toward 80C.
  • countryOfResidence · string · optionnel
    NRI only — DTAA article lookup hint. Free-form country name.
  • otherOldRegimeDeductions · integer · optionnel
    Other OLD-regime-only deductions as a lump (HRA exemption, 80D, NPS 80CCD(1B), etc.).

  Exemple d'appel

  {"name": "optimize_home_loan_tax_regime", "arguments": {"annualIncome": 1, "homeLoanInterest": 1, "homeLoanPrincipal": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"new": {}, "nri": {}, "old": {}, "cards": [], "jointLoan": true, "disclaimer": "texte", "notModeled": [], "assumptions": {}, "attribution": "AVnester", "recommended": "old", "annualIncome": 1, "annualSaving": 1}}

• search_properties≈ 1663 tokens

  Search residential property listings anywhere in Tamil Nadu, India — any city or town. Use when the user names a place, locality, price band, BHK, or transaction type. Returns sanitized listing cards with handoff URLs and a per-listing verification summary (verified + caveats); never returns seller contact details. Places outside Tamil Nadu return supported=false + scopeMessage — surface it.

  Paramètres, retour & exemple (10)

  Paramètres

  • city · string · optionnel
    City or town in Tamil Nadu (e.g., "Coimbatore", "Madurai"). Omit to search every Tamil Nadu city.
  • limit · integer · optionnel
    Maximum number of listings to return (cap: 20). v1 abuse defense.
  • bedrooms · integer · optionnel
    Number of bedrooms (BHK).
  • locality · string · optionnel
    Locality/neighborhood within the city (e.g., "Saravanampatti").
  • maxPrice · integer · optionnel
    Maximum price in INR.
  • minPrice · integer · optionnel
    Minimum price in INR.
  • furnishing · string · optionnel · furnished | semi-furnished | unfurnished
    Furnishing status (rental queries).
  • propertyType · string · optionnel · apartment | villa | plot | independent_house
    Property type.
  • rentalStructure · string · optionnel · monthly | lease
    Rental money structure: monthly rent, or a lump-sum lease (one refundable amount for a fixed tenure, no monthly rent). Only meaningful with transactionType=rent. Omit to include both.
  • transactionType · string · optionnel · sale | rent
    Whether to search for sale or rent. Omit to include both.

  Exemple d'appel

  {"name": "search_properties", "arguments": {"city": "texte", "limit": 1, "bedrooms": 1, "locality": "texte", "maxPrice": 1, "minPrice": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"total": 1, "sortBy": "texte", "message": "texte", "listings": [], "supported": true, "disclaimer": "texte", "handoffUrl": "texte", "attribution": "AVnester", "scopeMessage": "texte", "supportedCities": []}}

• simulate_loan_prepayment≈ 1312 tokens

  Simulate prepaying / repaying an Indian home loan early. Deterministic math — no advice, no loan-approval claim. Use for "should I prepay", "early/part/lump-sum repayment", "pay extra each month", "reduce EMI or tenure", "interest saved", or foreclosure. Modes: one-time, recurring yearly, or a fixed extra every month. Compares reduce_tenure (keep EMI, finish early) vs reduce_emi (keep tenure, lower EMI). emi = next EMI; finalEmi = after the last prepayment. Always surface the disclaimer field.

  Paramètres, retour & exemple (8)

  Paramètres

  • strategy · string · optionnel · reduce_tenure | reduce_emi | compare_both
    reduce_tenure keeps the EMI and finishes early (bigger saving); reduce_emi keeps the tenure and lowers the EMI; compare_both returns both.
  • prepaymentMode · string · optionnel · one_time | recurring_annual | recurring_monthly | one_time_plus_recurring | one_time_plus_recurring_monthly
    How the prepayment is made (annual anniversary vs every month).
  • prepaymentAmount · integer · optionnel
    One-time lump-sum prepayment in INR (one_time / one_time_plus_recurring* modes).
  • annualRatePercent · number · optionnel
    Current annual interest rate (percent). Defaults to the indicative market rate when omitted.
  • outstandingPrincipal · integer · requis
    Current outstanding home-loan principal in INR.
  • remainingTenureYears · integer · requis
    Years left on the loan at the current EMI.
  • recurringAnnualAmount · integer · optionnel
    Recurring yearly prepayment in INR (recurring_annual / one_time_plus_recurring modes).
  • recurringMonthlyAmount · integer · optionnel
    Fixed extra paid toward principal EVERY month on top of the EMI (recurring_monthly / one_time_plus_recurring_monthly modes).

  Exemple d'appel

  {"name": "simulate_loan_prepayment", "arguments": {"outstandingPrincipal": 1, "remainingTenureYears": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"cards": [], "applied": {}, "baseline": {}, "strategy": "reduce_tenure", "reduceEmi": {}, "disclaimer": "texte", "assumptions": {}, "attribution": "AVnester", "reduceTenure": {}, "prepaymentMode": "one_time", "annualRatePercent": 1, "outstandingPrincipal": 1}}

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Source

https://mcp.avnester.com/public-mcp