io.github.clara-finance/clara-mortgage-assistant

Est-ce que io.github.clara-finance/clara-mortgage-assistant est sûr ?

Au dernier audit MCP Hub, le serveur MCP « io.github.clara-finance/clara-mortgage-assistant » 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 6 outils

• calculate_debt_service≈ 1136 tokens

  Calculates Canadian GDS and TDS ratios from a monthly mortgage payment that is already known, plus income, housing costs, and other monthly debts. It takes the payment as given and needs no principal, rate, or amortization. Ratios are not an approval or suitability decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

  Paramètres, retour & exemple (7)

  Paramètres

  • housing · object · optionnel
  • tolerances · object · optionnel
  • jurisdiction · string · optionnel
    Canadian calculations only.
  • effectiveDate · string · requis
    Date the supplied rates and policy assumptions were confirmed.
  • monthlyPayment · number · requis
    Monthly mortgage principal-and-interest payment in Canadian dollars.
  • grossAnnualIncome · number · requis
    Gross annual household income in Canadian dollars.
  • otherMonthlyDebts · number · optionnel
    Total other monthly debt obligations in Canadian dollars.

  Exemple d'appel

  {"name": "calculate_debt_service", "arguments": {"effectiveDate": "texte", "monthlyPayment": 1, "grossAnnualIncome": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"tool": "texte", "currency": "texte", "disclaimer": "texte", "calculation": {}, "jurisdiction": "texte", "effectiveDate": "texte", "calculationVersion": "texte"}}

• calculate_ltv≈ 1015 tokens

  Calculates Canadian loan-to-value and combined loan-to-value from the loan amount, other secured positions, and a purchase price, an appraised value, or both. Ratios are not an approval or suitability decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

  Paramètres, retour & exemple (8)

  Paramètres

  • storedLtv · number · optionnel
    Optional previously stored LTV ratio as a decimal; for example, 75% is 0.75.
  • loanAmount · number · requis
    New mortgage or loan amount in Canadian dollars.
  • valueBasis · string · optionnel · lesser_of | appraised | purchase
  • jurisdiction · string · optionnel
    Canadian calculations only.
  • effectiveDate · string · requis
    Date the supplied rates and policy assumptions were confirmed.
  • purchasePrice · number · optionnel
    Property purchase price in Canadian dollars.
  • appraisedValue · number · optionnel
    Property appraised value in Canadian dollars.
  • otherSecuredPositions · array · optionnel

  Exemple d'appel

  {"name": "calculate_ltv", "arguments": {"loanAmount": 1, "effectiveDate": "texte"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"tool": "texte", "currency": "texte", "disclaimer": "texte", "calculation": {}, "jurisdiction": "texte", "effectiveDate": "texte", "calculationVersion": "texte"}}

• calculate_qualification≈ 1358 tokens

  Calculates the B-20 qualifying rate, the qualifying payment, and the resulting GDS/TDS from a principal, contract rate, amortization, and income. It computes the payment itself, so it needs those loan terms. Results are neutral scenario math, not an approval or underwriting decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

  Paramètres, retour & exemple (12)

  Paramètres

  • housing · object · optionnel
  • floorRate · number · optionnel
    Optional minimum qualification rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.
  • principal · number · requis
    Mortgage principal in Canadian dollars.
  • bufferRate · number · optionnel
    Optional stress-test buffer added to the contract rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.
  • tolerances · object · optionnel
  • contractRate · number · requis
    Contract rate for the mortgage. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.
  • jurisdiction · string · optionnel
    Canadian calculations only.
  • effectiveDate · string · requis
    Date the supplied rates and policy assumptions were confirmed.
  • grossAnnualIncome · number · requis
    Gross annual household income in Canadian dollars.
  • otherMonthlyDebts · number · optionnel
    Total monthly debt obligations outside the housing costs in Canadian dollars.
  • amortizationMonths · integer · requis
    Mortgage amortization period in months.
  • straightSwitchExempt · boolean · optionnel

  Exemple d'appel

  {"name": "calculate_qualification", "arguments": {"principal": 1, "contractRate": 1, "effectiveDate": "texte", "grossAnnualIncome": 1, "amortizationMonths": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"tool": "texte", "currency": "texte", "disclaimer": "texte", "calculation": {}, "jurisdiction": "texte", "effectiveDate": "texte", "calculationVersion": "texte"}}

• compare_mortgage_scenarios≈ 1130 tokens

  Compares up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

  Paramètres, retour & exemple (3)

  Paramètres

  • scenarios · array · requis
  • jurisdiction · string · optionnel
    Canadian calculations only.
  • effectiveDate · string · requis
    Date the supplied rates and policy assumptions were confirmed.

  Exemple d'appel

  {"name": "compare_mortgage_scenarios", "arguments": {"scenarios": [], "effectiveDate": "texte"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"tool": "texte", "currency": "texte", "scenarios": [], "disclaimer": "texte", "jurisdiction": "texte", "effectiveDate": "texte", "calculationVersion": "texte"}}

• estimate_prepayment_penalty≈ 965 tokens

  Estimates three-months-interest and simplified interest-rate-differential prepayment penalties. Lender discharge statements remain authoritative. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

  Paramètres, retour & exemple (7)

  Paramètres

  • method · string · optionnel · greater_of_3mo_interest_ird | three_months_interest | interest_rate_differential
  • principal · number · requis
    Outstanding mortgage balance in Canadian dollars.
  • annualRate · number · requis
    Current annual mortgage rate. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.
  • jurisdiction · string · optionnel
    Canadian calculations only.
  • effectiveDate · string · requis
    Date the supplied rates and policy assumptions were confirmed.
  • comparisonRate · number · optionnel
    Annual comparison or reference rate used for the simplified interest-rate-differential estimate. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.
  • remainingTermMonths · integer · requis
    Number of months remaining in the mortgage term.

  Exemple d'appel

  {"name": "estimate_prepayment_penalty", "arguments": {"principal": 1, "annualRate": 1, "effectiveDate": "texte", "remainingTermMonths": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"tool": "texte", "currency": "texte", "disclaimer": "texte", "calculation": {}, "jurisdiction": "texte", "effectiveDate": "texte", "calculationVersion": "texte"}}

• refuse_unsupported_mortgage_request≈ 519 tokens

  Returns a fixed explanation that a request is outside this calculator's scope, with a calculation it can do instead. Categories: approval or underwriting decisions, lender or product recommendations, borrower documents or accounts, current rates, rules, or thresholds, external actions such as submitting applications or contacting anyone, and other unsupported requests. Takes only the category; it accepts no request text, names, identifiers, or document content.

  Paramètres, retour & exemple (1)

  Paramètres

  • requestType · string · requis · approval_or_underwriting | lender_or_product_recommendation | borrower_document_or_account | current_rate_rule_or_threshold | external_action | other_unsupported
    Category of unsupported request. Only the category is accepted, never user, borrower, account, or document data.

  Exemple d'appel

  {"name": "refuse_unsupported_mortgage_request", "arguments": {"requestType": "approval_or_underwriting"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}], "structuredContent": {"tool": "texte", "status": "texte", "message": "texte", "requestType": "approval_or_underwriting", "dataHandling": "texte", "safeAlternative": "texte"}}

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Source

https://mcp.claratech.ai/mcp