cz.rychlahypo/mortgages

Est-ce que cz.rychlahypo/mortgages est sûr ?

Au dernier audit MCP Hub, le serveur MCP « cz.rychlahypo/mortgages » 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 4 outils

• calculate_max_mortgage≈ 1730 tokens

  Calculate how much each of 6 Czech banks will lend (or whether a requested amount gets approved) from household income, expenses, debts and property, using each bank's own credit methodology (DSTI, DTI, LTV, living costs, recognition of self-employed, pension, rental and other income). No personal data needed: ages and amounts only.

  Paramètres, retour & exemple (19)

  Paramètres

  • region · string · optionnel · praha | regional | small
    Prague, other larger town, small municipality (affects living costs).
  • married · boolean · optionnel
    Applicants are spouses with joint property (SJM).
  • purpose · string · optionnel · koupe | refinancovani | stavba | rekonstrukce | neucelova | vyporadani
    Purpose: purchase, refinancing, construction, renovation, non-purpose (American mortgage), settlement.
  • children · number · optionnel
    Number of dependent children (counted as 6–15 years old). For precise living costs send children_ages instead.
  • fixation · string · optionnel · 1R | 3R | 5R | 7R | 10R
    Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan).
  • own_funds · number · optionnel
    Own funds / savings in CZK.
  • applicants · array · requis
    1–4 applicants (household members who will be borrowers).
  • investment · boolean · optionnel
    Buy-to-let / third or further residential property (LTV 70 %, DTI 7).
  • term_years · number · optionnel
    Repayment term in years ("30 let" or "360 měsíců" accepted).
  • alimony_paid · number · optionnel
    Monthly alimony paid, CZK.
  • housing_cost · number · optionnel
    Monthly housing cost that continues after the purchase (e.g. rent), CZK.
  • children_ages · array · optionnel
    Ages of dependent children, e.g. [3, 9]. Overrides children.
  • loan_payments · number · optionnel
    Monthly payments of all existing loans and leasing, CZK.
  • property_type · string · optionnel · byt | dum | coop | land | rekreacni | commercial
    Flat, house, cooperative flat, land, recreational, commercial.
  • property_value · number · optionnel
    Property price in CZK. Without it the result is the income-based maximum only.
  • requested_loan · number · optionnel
    Specific loan amount to assess (approved yes/no per bank); needs property_value (or valuation), otherwise only the maximum is returned with an input_warnings note. Omit to get the maximum per bank.
  • overdraft_limits · number · optionnel
    Sum of overdraft limits, CZK.
  • credit_card_limits · number · optionnel
    Sum of credit card limits, CZK.
  • existing_debt_balance · number · optionnel
    Outstanding principal of all existing loans, CZK (DTI limit).

  Exemple d'appel

  {"name": "calculate_max_mortgage", "arguments": {"applicants": []}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• compare_mortgages≈ 415 tokens

  Compare the monthly payment, interest rate, RPSN (APRC), total cost and interest of a given mortgage amount across 6 Czech banks, sorted from cheapest. Applies each bank's LTV and small-loan surcharges and product limits (not creditworthiness). Above 80 % LTV banks lend only if all applicants are under 36 (set all_applicants_under_36). Use for 'which bank is cheapest for X CZK'.

  Paramètres, retour & exemple (5)

  Paramètres

  • fixation · string · optionnel · 1R | 3R | 5R | 7R | 10R
    Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan).
  • term_years · number · optionnel
    Repayment term in years.
  • loan_amount · number · requis
    Mortgage amount in CZK.
  • property_value · number · optionnel
    Property price or valuation in CZK. Used for LTV surcharges and bank LTV limits. Optional.
  • all_applicants_under_36 · boolean · optionnel
    True if every applicant is younger than 36. Banks lend above 80 % LTV (up to 90 %) only to applicants under 36 (Czech National Bank limit); UniCredit also waives its 81–90 % LTV surcharge for them.

  Exemple d'appel

  {"name": "compare_mortgages", "arguments": {"loan_amount": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• get_advisor_contact≈ 110 tokens

  How the user can get a binding assessment and have the mortgage arranged for free by a licensed Czech mortgage intermediary (Rychlá Hypo). Returns phone, e-mail and links.

  Paramètres, retour & exemple (0)

  Exemple d'appel

  {"name": "get_advisor_contact", "arguments": {}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• get_mortgage_rates≈ 214 tokens

  Current published mortgage rates of 6 major Czech banks (Česká spořitelna, ČSOB, Komerční banka, UniCredit Bank, Raiffeisenbank, mBank) by fixation period, with LTV surcharges, limits and fees. Source: Rychlá Hypo (rychlahypo.cz), rates verified in the banks' calculators.

  Paramètres, retour & exemple (1)

  Paramètres

  • fixation · string · optionnel · 1R | 3R | 5R | 7R | 10R
    Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan).

  Exemple d'appel

  {"name": "get_mortgage_rates", "arguments": {"fixation": "1R"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

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Source

https://rychlahypo.cz/mcp