io.github.Payotte-com/payotte-mcp

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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 87 outils

• acheter_ou_louer≈ 229 tokens

  Call this when the user wonders whether to rent or buy in a Canadian city. Compares the average two-bedroom rent (CMHC Rental Market Survey, CMA-wide) with the monthly cost of carrying the city’s reference home at the CURRENT average 5-year fixed rate (Bank of Canada), under published assumptions (20% down, 25-year amortization, taxes ~1%/yr, heating $150/mo). Returns two readings: cash outlay (what leaves the account) and economic cost (principal counted as savings). Only cities inside a CMHC-covered metro have rent data.

  Paramètres, retour & exemple (1)

  Paramètres

  • ville · string · requis
    City, e.g. "Montréal", "Toronto", "Winnipeg".

  Exemple d'appel

  {"name": "acheter_ou_louer", "arguments": {"ville": "texte"}}

  Exemple de retour

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

• attorney_at_closing_us≈ 173 tokens

  UNITED STATES. Whether a real estate attorney is required at closing in a state (required, partly required, customary, not required), the statute, bar opinion or court ruling behind it, and who usually conducts closings (attorney, title or escrow company).

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "attorney_at_closing_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• borrowing_capacity_be≈ 469 tokens

  BELGIUM. From a net monthly income, computes the capital a fixed-rate loan allows and the highest home price once the Region's purchase costs are paid. Belgium has no legal debt-to-income rule: the share of income (default 33%) and the rate (default 3.5%) are example assumptions you can change. As on payotte.com/belgium/borrowing-capacity (FR: /belgique/capacite-emprunt, NL: /belgie/leencapaciteit).

  Paramètres, retour & exemple (9)

  Paramètres

  • years · number · optionnel
    Loan term in years, 1 to 30 (default 25).
  • region · string · optionnel · Brussels-Capital | Wallonia | Flanders
    Region of the home. Registration duties are regional. May be omitted if municipality is given.
  • own_funds · number · optionnel
    Own funds (savings) in euros (default 0).
  • sole_home · boolean · optionnel
    Sole and own home (you will live there and own no other home). Default true. False = normal rates.
  • municipality · string · optionnel
    Optional: a municipality Payotte covers (e.g. "Liège", "Gent", "Ixelles"), used to find the Region when region is omitted.
  • monthly_credits · number · optionnel
    Other monthly credit repayments, in euros (default 0).
  • interest_rate_pct · number · optionnel
    Annual interest rate in percent (default 3.5).
  • net_monthly_income · number · requis
    Household net income per month, in euros.
  • share_of_income_pct · number · optionnel
    Share of that income going to the loan, in percent (default 33).

  Exemple d'appel

  {"name": "borrowing_capacity_be", "arguments": {"net_monthly_income": 1}}

  Exemple de retour

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

• capital_gains_tax_br≈ 278 tokens

  BRAZIL. Income tax on the gain from selling a home: non-residents computed in full (15% to 22.5% by band, 25% in a listed low-tax jurisdiction, withheld by the buyer); residents: exemptions tested, tax as an upper limit before the FR1/FR2 reduction factors. Purchases before 1996 not computed.

  Paramètres, retour & exemple (6)

  Paramètres

  • seller · string · optionnel · non-resident | non-resident-listed-jurisdiction | resident
  • reinvested · number · optionnel
    Resident: amount reinvested in a home in Brazil within 180 days.
  • sale_price · number · requis
  • only_property · boolean · optionnel
    Resident: only property owned, no sale in five years.
  • purchase_cost · number · requis
    Documented cost in reais.
  • purchase_year · number · requis

  Exemple d'appel

  {"name": "capital_gains_tax_br", "arguments": {"sale_price": 1, "purchase_cost": 1, "purchase_year": 1}}

  Exemple de retour

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

• check_professional_au≈ 175 tokens

  AUSTRALIA. For a real estate agent, mortgage broker, conveyancer, building inspector or property valuer: the state regulators or registers, what they cover, and where the reader checks a licence. Payotte lists no Australian professional yet.

  Paramètres, retour & exemple (1)

  Paramètres

  • trade · string · requis
    real estate agent, mortgage broker, conveyancer, building inspector or property valuer.

  Exemple d'appel

  {"name": "check_professional_au", "arguments": {"trade": "texte"}}

  Exemple de retour

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

• check_professional_be≈ 222 tokens

  BELGIUM. For an estate agent, mortgage (credit) broker, notary, land surveyor or EPB/EPC energy assessor: the regulatory body or register, what the title means and where the reader checks it (IPI/BIV, FSMA, notaire.be, the surveyors' Order, the Walloon energy administration). Names no professional.

  Paramètres, retour & exemple (2)

  Paramètres

  • trade · string · requis
    estate agent, mortgage broker, notary, surveyor or EPB assessor (French and Dutch names accepted).
  • language · string · optionnel · en | fr | nl
    Language of the page to return (default en).

  Exemple d'appel

  {"name": "check_professional_be", "arguments": {"trade": "texte"}}

  Exemple de retour

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

• check_professional_br≈ 190 tokens

  BRAZIL. For a real estate broker (CRECI), property appraiser (CNAI, CREA/CAU), architect or engineer (CAU, CREA), mortgage lender (Banco Central) or property lawyer (OAB): where the reader checks a registration. Payotte lists no Brazilian professional yet, and never lists lawyers or lenders.

  Paramètres, retour & exemple (1)

  Paramètres

  • trade · string · requis
    real estate broker, property appraiser, architect or engineer, mortgage lender, property lawyer.

  Exemple d'appel

  {"name": "check_professional_br", "arguments": {"trade": "texte"}}

  Exemple de retour

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

• check_professional_de≈ 182 tokens

  GERMANY. For a real estate agent (§ 34c GewO permit, no public register), mortgage broker (§ 34i, DIHK register), property valuer (public appointment), architect (state chambers) or notary (public office): where the reader checks. Payotte lists no German firm yet and never lists notaries.

  Paramètres, retour & exemple (1)

  Paramètres

  • trade · string · requis
    real estate agent, mortgage broker, property valuer, architect or notary.

  Exemple d'appel

  {"name": "check_professional_de", "arguments": {"trade": "texte"}}

  Exemple de retour

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

• check_professional_es≈ 181 tokens

  SPAIN. For a real estate agent (regional registers), property valuer (Banco de España), architect (colegios), mortgage lender (Banco de España) or property lawyer (bar associations): where the reader checks. Payotte lists no Spanish professional yet and never lists lawyers.

  Paramètres, retour & exemple (1)

  Paramètres

  • trade · string · requis
    real estate agent, property valuer, architect, mortgage lender or property lawyer.

  Exemple d'appel

  {"name": "check_professional_es", "arguments": {"trade": "texte"}}

  Exemple de retour

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

• check_professional_in≈ 182 tokens

  INDIA. For a real estate agent (state RERA), registered valuer (IBBI), architect (Council of Architecture), home loan lender (RBI) or property lawyer (State Bar Council): where the reader checks a registration. Payotte lists no Indian professional yet and never lists lawyers.

  Paramètres, retour & exemple (1)

  Paramètres

  • trade · string · requis
    real estate agent, registered valuer, architect, home loan lender or property lawyer.

  Exemple d'appel

  {"name": "check_professional_in", "arguments": {"trade": "texte"}}

  Exemple de retour

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

• check_professional_it≈ 177 tokens

  ITALY. For a real estate agent (Registro Imprese / REA), mortgage broker (OAM lists), surveyor (geometri register), architect (Albo Unico Nazionale) or notary (public office, Albo Unico): where the reader checks. Payotte lists no Italian firm yet and never lists notaries.

  Paramètres, retour & exemple (1)

  Paramètres

  • trade · string · requis
    real estate agent, mortgage broker, surveyor, architect or notary.

  Exemple d'appel

  {"name": "check_professional_it", "arguments": {"trade": "texte"}}

  Exemple de retour

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

• check_professional_mx≈ 188 tokens

  MEXICO. For a real estate agent (state licence where one exists), appraiser (SHF register), mortgage lender (CNBV, CONDUSEF), notary (appointed by the state) or real estate lawyer (cédula profesional): where the reader checks. Payotte lists no Mexican professional yet and never lists notaries or lawyers.

  Paramètres, retour & exemple (1)

  Paramètres

  • trade · string · requis
    real estate agent, appraiser, mortgage lender, notary or real estate lawyer.

  Exemple d'appel

  {"name": "check_professional_mx", "arguments": {"trade": "texte"}}

  Exemple de retour

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

• check_professional_uk≈ 184 tokens

  UNITED KINGDOM. For an estate agent, mortgage adviser, conveyancer, surveyor or valuer: the regulator or register, what it covers, and where the reader checks a firm (FCA Register, SRA, CLC, Law Society, RICS, redress schemes). Payotte lists one selected firm per trade in 20 UK areas (payotte.com/uk/areas).

  Paramètres, retour & exemple (1)

  Paramètres

  • trade · string · requis
    estate agent, mortgage adviser, conveyancer, surveyor or valuer.

  Exemple d'appel

  {"name": "check_professional_uk", "arguments": {"trade": "texte"}}

  Exemple de retour

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

• closing_costs_mx≈ 310 tokens

  MEXICO. Computes the property acquisition tax (ISAI, ISABI, ISTD… set by each municipality or state) and the state's fee to record the deed on a home purchase, from the 2026 laws read, in 54 municipalities (Cancún, Playa del Carmen, Tulum, Puerto Vallarta, Bahía de Banderas, Los Cabos, La Paz, Mazatlán, San Miguel de Allende, Mérida, Guadalajara, Querétaro, Tijuana…). Base = the higher of the price and the appraisal or cadastral value. Others return "not computed" with no figure. Notary fees are not computed.

  Paramètres, retour & exemple (3)

  Paramètres

  • price · number · requis
    Price in Mexican pesos (MX$3 million = 3000000).
  • municipality · string · requis
    Municipality or locality, e.g. "Cancún", "Nuevo Vallarta", "Cabo San Lucas", "San Miguel de Allende".
  • appraisal_or_cadastral_value · number · optionnel
    Appraisal or cadastral value in MXN, if higher than the price.

  Exemple d'appel

  {"name": "closing_costs_mx", "arguments": {"price": 1, "municipality": "texte"}}

  Exemple de retour

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

• closing_costs_us≈ 171 tokens

  UNITED STATES. The closing costs that state law fixes (transfer and mortgage taxes, recording fees, regulated title premiums) and who pays each by contract or custom, with a worked example. No invented averages: when no official typical total exists, it says so.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "closing_costs_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• community_property_us≈ 144 tokens

  UNITED STATES. Whether a state is a community property state, an opt-in state, or common law, and what that means for buying and titling a home as a married couple.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "community_property_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• compare_nations_uk≈ 202 tokens

  UNITED KINGDOM. One rule compared across England, Scotland, Wales and Northern Ireland (purchase tax, first-time buyer relief, conveyancing system, home surveys, tenancy deposits, tenancy regime, Council Tax and rates, EPCs), from Payotte's guides and their official sources.

  Paramètres, retour & exemple (1)

  Paramètres

  • topic · string · requis · conveyancing-system | epc-rules | first-time-buyer-relief | home-surveys | local-property-tax | purchase-tax | tenancy-deposits | tenancy-regime
    Topic of the table.

  Exemple d'appel

  {"name": "compare_nations_uk", "arguments": {"topic": "conveyancing-system"}}

  Exemple de retour

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

• compare_regions_be≈ 248 tokens

  BELGIUM. The same purchase compared across Brussels-Capital, Wallonia and Flanders: registration duty, notary, other costs, total and its share of the price, with each Region's median house and apartment price (Statbel). Registration duties are regional; the notary tariff is federal.

  Paramètres, retour & exemple (3)

  Paramètres

  • price · number · optionnel
    Purchase price in euros (default 300,000).
  • sole_home · boolean · optionnel
    Sole and own home (you will live there and own no other home). Default true. False = normal rates.
  • flemish_core_city · boolean · optionnel
    Flanders only: the home is in a core city (centrumstad) or the Flemish Periphery (Vlaamse Rand). Default false.

  Exemple d'appel

  {"name": "compare_regions_be", "arguments": {"price": 1, "sole_home": true, "flemish_core_city": true}}

  Exemple de retour

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

• compare_regions_es≈ 183 tokens

  SPAIN. One rule compared across the 19 regions: purchase-tax, new-home-taxes, young-buyer-rates, large-family-rates, appraised-values, house-price-index, agent-registers, stressed-market-areas.

  Paramètres, retour & exemple (1)

  Paramètres

  • topic · string · requis · agent-registers | appraised-values | house-price-index | large-family-rates | new-home-taxes | purchase-tax | stressed-market-areas | young-buyer-rates
    Topic of the table.

  Exemple d'appel

  {"name": "compare_regions_es", "arguments": {"topic": "agent-registers"}}

  Exemple de retour

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

• compare_regions_it≈ 114 tokens

  ITALY. One measure compared across the 20 regions (home-sales).

  Paramètres, retour & exemple (1)

  Paramètres

  • topic · string · requis · home-sales
    Topic of the table.

  Exemple d'appel

  {"name": "compare_regions_it", "arguments": {"topic": "home-sales"}}

  Exemple de retour

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

• compare_states_au≈ 207 tokens

  AUSTRALIA. One rule compared across the states and territories (purchase duty, foreign purchaser surcharge, first home buyer concessions, first home owner grant, land tax, cooling-off period, rental bonds, vendor disclosure), from Payotte's guides and their official sources.

  Paramètres, retour & exemple (1)

  Paramètres

  • topic · string · requis · cooling-off-period | first-home-buyer-concessions | first-home-owner-grant | foreign-purchaser-surcharge | land-tax | purchase-duty | rental-bonds | vendor-disclosure
    Topic of the table.

  Exemple d'appel

  {"name": "compare_states_au", "arguments": {"topic": "cooling-off-period"}}

  Exemple de retour

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

• compare_states_br≈ 186 tokens

  BRAZIL. One table across the 27 federative units: purchase-costs-capitals, itbi-state-capitals, notary-and-registry-fees, median-value-financed-homes, rented-homes-share, construction-cost-per-m2.

  Paramètres, retour & exemple (1)

  Paramètres

  • topic · string · requis · construction-cost-per-m2 | itbi-state-capitals | median-value-financed-homes | notary-and-registry-fees | purchase-costs-capitals | rented-homes-share
    Topic of the table.

  Exemple d'appel

  {"name": "compare_states_br", "arguments": {"topic": "construction-cost-per-m2"}}

  Exemple de retour

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

• compare_states_de≈ 152 tokens

  GERMANY. One rule compared across the 16 states: purchase-tax, first-buyer-aid, property-tax-model, rents-and-ownership, land-value-data.

  Paramètres, retour & exemple (1)

  Paramètres

  • topic · string · requis · first-buyer-aid | land-value-data | property-tax-model | purchase-tax | rents-and-ownership
    Topic of the table.

  Exemple d'appel

  {"name": "compare_states_de", "arguments": {"topic": "first-buyer-aid"}}

  Exemple de retour

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

• compare_states_in≈ 131 tokens

  INDIA. One rule compared across the states whose official rates Payotte read (purchase-duty, women-buyer-rates).

  Paramètres, retour & exemple (1)

  Paramètres

  • topic · string · requis · purchase-duty | women-buyer-rates
    Topic of the table.

  Exemple d'appel

  {"name": "compare_states_in", "arguments": {"topic": "purchase-duty"}}

  Exemple de retour

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

• compare_states_mx≈ 164 tokens

  MEXICO. One rule or figure compared across the states: acquisition-tax, recording-fee, home-prices, price-change, home-loans, rented-homes, agent-licensing.

  Paramètres, retour & exemple (1)

  Paramètres

  • topic · string · requis · acquisition-tax | agent-licensing | home-loans | home-prices | price-change | recording-fee | rented-homes
    Topic of the table.

  Exemple d'appel

  {"name": "compare_states_mx", "arguments": {"topic": "acquisition-tax"}}

  Exemple de retour

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

• compare_states_us≈ 190 tokens

  UNITED STATES. Lists the states in each category for one topic: transfer-tax (states with no transfer tax), attorney-at-closing (states requiring an attorney), foreclosure (judicial vs non-judicial states), seller-disclosure (buyer beware states), community-property. Use for "which states…" questions.

  Paramètres, retour & exemple (1)

  Paramètres

  • topic · string · requis · transfer-tax | attorney-at-closing | foreclosure | seller-disclosure | community-property
    Topic to compare.

  Exemple d'appel

  {"name": "compare_states_us", "arguments": {"topic": "transfer-tax"}}

  Exemple de retour

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

• contacter_expert≈ 532 tokens

  Call this ONLY when the user explicitly asks to contact, reach out to, or request a quote/appointment from a Payotte-listed professional. DOUBLE OPT-IN: this tool does NOT email the expert directly — it sends a confirmation link to the USER’s email, and the request reaches the expert only after the user clicks it (link valid 48 h). Tell the user to check their inbox. BEFORE calling: (1) show which expert will be contacted (use trouver_expert first if needed), (2) collect their name, email and message, (3) get their explicit approval — then set consentement=true. Never invent contact details. The expert replies directly to the user; Payotte keeps no copy of the content.

  Paramètres, retour & exemple (9)

  Paramètres

  • ville · string · requis
    City of the expert, e.g. "Montréal".
  • message · string · requis
    The user’s request in their own words (need, property, timeline…), 20–2000 characters.
  • secteur · string · optionnel
    Neighbourhood/sector of the expert (recommended — identifies exactly one expert).
  • province · string · optionnel
    Province name or code (optional disambiguator).
  • client_nom · string · requis
    Full name of the user requesting contact.
  • profession · string · requis
    real-estate-broker | mortgage-broker | home-inspector | notary-lawyer | appraiser (French labels accepted).
  • consentement · boolean · requis
    MUST be true, and only after the user explicitly approved sending this request to this specific expert.
  • client_courriel · string · requis
    Email address of the user — the expert will reply there.
  • client_telephone · string · optionnel
    Optional phone number of the user.

  Exemple d'appel

  {"name": "contacter_expert", "arguments": {"ville": "texte", "message": "texte", "client_nom": "texte", "profession": "texte", "consentement": true, "client_courriel": "texte"}}

  Exemple de retour

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

• estimer_economie≈ 366 tokens

  Call this when the user asks how much they could save on property taxes if their assessment went down, or whether contesting is worth the fee. Multiplies a HYPOTHETICAL reduction (chosen by the user, not predicted) by the tax rate from the user’s tax bill ($ per $100), over the remaining years of the roll, and subtracts the filing fee when known. Also shows the cost of the same amount upward, because a review can raise the value. Ask the user for their tax rate: Payotte does not guess municipal rates.

  Paramètres, retour & exemple (5)

  Paramètres

  • taux · number · requis
    Property-tax rate in $ per $100 of assessment, from the user’s tax bill (e.g. 0.75).
  • baisse · number · requis
    Hypothetical reduction: in CAD (e.g. 30000) or as a fraction (e.g. 0.08 for 8%).
  • valeur · number · requis
    Assessed value on the roll (CAD).
  • municipalite · string · optionnel
    Quebec municipality (optional but recommended: sets remaining roll years and the fee).
  • annees_restantes · number · optionnel
    Optional: years of the roll the reduction would cover (1-3).

  Exemple d'appel

  {"name": "estimer_economie", "arguments": {"taux": 1, "baisse": 1, "valeur": 1}}

  Exemple de retour

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

• evaluation_adresse≈ 389 tokens

  Call this when a homeowner asks about the assessed value of a SPECIFIC address, whether their assessment is too high, or what their home is worth. Reads the OPEN assessment rolls (Quebec: 1,113 municipalities; Nova Scotia; New Brunswick; Winnipeg; Calgary, Edmonton, Lethbridge, Strathcona, Okotoks, Grande Prairie, St. Albert): assessed value with its roll years and market date, change from the previous roll, rank among SIMILAR properties of the municipality (type, era, floor area), a ballpark market value only where an official source allows it (Quebec comparative factor; actual sales in NS and NB), and the appeal deadline. Public figures compared, never an opinion of value. No owner names. Other provinces have no open roll by address.

  Paramètres, retour & exemple (4)

  Paramètres

  • lang · string · optionnel · fr | en
  • adresse · string · requis
    Civic address, number first, e.g. "9060 boul. Lévesque E" or "1200 rue Saint-Alexandre, app. 305".
  • province · string · requis
    Province name or code (QC, NS, NB, AB, MB).
  • municipalite · string · requis
    Municipality as named in the roll, e.g. "Laval", "Halifax Regional Municipality", "Calgary", "Winnipeg".

  Exemple d'appel

  {"name": "evaluation_adresse", "arguments": {"adresse": "texte", "province": "texte", "municipalite": "texte"}}

  Exemple de retour

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

• federal_guide_us≈ 170 tokens

  UNITED STATES. Finds Payotte’s federal guides (rules that apply in every state): FHA, VA, USDA and conventional loans, PMI, down payment, credit score, debt-to-income, escrow, earnest money, closing costs, 1031 exchange, capital gains on a home sale, mortgage interest deduction, flood insurance, refinancing… Empty query = full list.

  Paramètres, retour & exemple (1)

  Paramètres

  • query · string · optionnel
    Topic, e.g. "FHA loan requirements", "PMI".

  Exemple d'appel

  {"name": "federal_guide_us", "arguments": {"query": "texte"}}

  Exemple de retour

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

• fenetre_revision≈ 393 tokens

  Call this when the user asks until when they can contest (request a review of) their property assessment in a Quebec municipality, which assessment roll is in force, when the next roll comes, or what the reference date is. Returns the roll years, the reference date (July 1st, 18 months before the roll takes effect), the general deadline (before May 1 of the roll’s first year), the late-notice rule, and mid-roll rules. Compiled by Payotte from the official Quebec rolls (MAMH open data). For other provinces, pass `province` (e.g. "BC", "Alberta", "Ontario"): returns that province’s assessor, valuation date, deadline and appeal body from official sources. Tell the user their assessment notice prevails. Does not say whether an assessment is too high.

  Paramètres, retour & exemple (3)

  Paramètres

  • province · string · optionnel
    Province code or name (BC, AB, SK, MB, ON, QC, NB, NS, PE, NL). Default: Quebec (then `municipalite` is used).
  • date_avis · string · optionnel
    Optional: mailing date printed on the assessment notice (YYYY-MM-DD), to apply the 60-day late-notice rule.
  • municipalite · string · optionnel
    Quebec municipality, e.g. "Drummondville", "Gatineau", "Montréal" (not needed outside Quebec).

  Exemple d'appel

  {"name": "fenetre_revision", "arguments": {"province": "texte", "date_avis": "texte", "municipalite": "texte"}}

  Exemple de retour

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

• first_time_buyer_programs_us≈ 160 tokens

  UNITED STATES. The state housing finance agency and its first-time buyer loans, down payment assistance, mortgage credit certificates, income limits and homebuyer education requirement, with official links.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "first_time_buyer_programs_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• foreclosure_us≈ 151 tokens

  UNITED STATES. Whether a state forecloses judicially or by trustee sale, the typical or minimum timeline, any right of redemption after the sale, deficiency judgment rules and mediation programs.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "foreclosure_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• frais_notaire_fr≈ 352 tokens

  FRANCE. Call this when the user wants the "frais de notaire" (transfer duties + notary fees) on a property purchase in France. Same computation as payotte.com/france: departmental duty rate (DGFiP schedule, incl. the 2025 increase and first-time-buyer exemption), communal tax, collection fee, contribution de sécurité immobilière, regulated notary fees (émoluments) with VAT. type "ancien" (default, needs a département) or "neuf" (new build, reduced rate). Disbursements are not regulated and not included.

  Paramètres, retour & exemple (5)

  Paramètres

  • prix · number · requis
    Prix d’achat en euros.
  • type · string · optionnel · ancien | neuf
    ancien (défaut) ou neuf.
  • departement · string · optionnel
    Code (« 33 », « 2A ») ou nom (« Gironde ») du département ; une ville couverte marche aussi.
  • primoAccedant · boolean · optionnel
    Ancien : premier achat de résidence principale (taux sans la hausse de 2025, si le département l’a votée).
  • tvaMentionnee · boolean · optionnel
    Neuf : TVA mentionnée distinctement dans l’acte (assiette hors TVA).

  Exemple d'appel

  {"name": "frais_notaire_fr", "arguments": {"prix": 1}}

  Exemple de retour

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

• frais_revision≈ 280 tokens

  Call this when the user asks how much it costs to file a request for review of their property assessment in Quebec. Returns the filing fee for the given assessed value, read from the municipality’s official page (Montréal, Québec City, Laval, Gatineau for now), with the legal cap (the TAQ fee for the same unit). Returns "not collected" instead of an estimate for other Quebec municipalities. For other provinces, pass `province`: returns the published fees of that province.

  Paramètres, retour & exemple (3)

  Paramètres

  • valeur · number · optionnel
    Assessed value on the roll in CAD (the value on the notice, not the market price).
  • province · string · optionnel
    Optional province code or name; default Quebec.
  • municipalite · string · optionnel
    Quebec municipality, e.g. "Montréal", "Laval".

  Exemple d'appel

  {"name": "frais_revision", "arguments": {"valeur": 1, "province": "texte", "municipalite": "texte"}}

  Exemple de retour

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

• guide_au≈ 154 tokens

  AUSTRALIA. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in Australia, and returns its self-contained short answer, check date and URL.

  Paramètres, retour & exemple (1)

  Paramètres

  • query · string · requis
    The question or keywords, e.g. "cooling-off period", "FIRB foreign buyer".

  Exemple d'appel

  {"name": "guide_au", "arguments": {"query": "texte"}}

  Exemple de retour

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

• guide_be≈ 235 tokens

  BELGIUM. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in Belgium, in English, French or Dutch, and returns its self-contained short answer, check date and URL (and the same guide in the other languages when it exists). The page URL is returned for citation.

  Paramètres, retour & exemple (2)

  Paramètres

  • query · string · requis
    The question or keywords, e.g. "registration duties Brussels", "droits d'enregistrement", "huurwaarborg".
  • language · string · optionnel · en | fr | nl
    Optional: restrict to one language. Omitted = search all three.

  Exemple d'appel

  {"name": "guide_be", "arguments": {"query": "texte"}}

  Exemple de retour

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

• guide_br≈ 170 tokens

  BRAZIL. Finds the Payotte guide answering a question about a home in Brazil — CPF, rural land and beachfront rules for foreigners, ITBI, deeds, mortgages, capital gains, tenancy law, IPTU — and returns its short answer, check date and URL.

  Paramètres, retour & exemple (1)

  Paramètres

  • query · string · requis
    The question or keywords, e.g. "CPF foreigner", "terrenos de marinha".

  Exemple d'appel

  {"name": "guide_br", "arguments": {"query": "texte"}}

  Exemple de retour

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

• guide_de≈ 147 tokens

  GERMANY. Finds the Payotte guide answering a question about buying (including as a foreign buyer), financing, selling, renting or owning a home in Germany, and returns its short answer, check date and URL.

  Paramètres, retour & exemple (1)

  Paramètres

  • query · string · requis
    The question or keywords.

  Exemple d'appel

  {"name": "guide_de", "arguments": {"query": "texte"}}

  Exemple de retour

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

• guide_es≈ 160 tokens

  SPAIN. Finds the Payotte guide answering a question about buying (including as a foreign or non-resident buyer: NIE, IRNR, 3% withholding, golden visa), financing, selling, renting or owning a home in Spain, and returns its short answer, check date and URL.

  Paramètres, retour & exemple (1)

  Paramètres

  • query · string · requis
    The question or keywords.

  Exemple d'appel

  {"name": "guide_es", "arguments": {"query": "texte"}}

  Exemple de retour

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

• guide_in≈ 161 tokens

  INDIA. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in India, including NRI and OCI rules, and returns its self-contained short answer, check date and URL.

  Paramètres, retour & exemple (1)

  Paramètres

  • query · string · requis
    The question or keywords, e.g. "NRI repatriation", "TDS on property purchase".

  Exemple d'appel

  {"name": "guide_in", "arguments": {"query": "texte"}}

  Exemple de retour

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

• guide_it≈ 149 tokens

  ITALY. Finds the Payotte guide answering a question about buying (including as a foreign buyer), financing, selling, renting, renovating or owning a home in Italy, and returns its short answer, check date and URL.

  Paramètres, retour & exemple (1)

  Paramètres

  • query · string · requis
    The question or keywords.

  Exemple d'appel

  {"name": "guide_it", "arguments": {"query": "texte"}}

  Exemple de retour

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

• guide_mx≈ 179 tokens

  MEXICO. Finds the Payotte guide answering a question about buying (restricted zone, fideicomiso, notary, deed), financing, selling (income tax for residents and non-residents), renting or owning a home in Mexico, and returns its self-contained short answer, check date and URL.

  Paramètres, retour & exemple (1)

  Paramètres

  • query · string · requis
    The question or keywords, e.g. "fideicomiso permit cost", "selling as a non-resident".

  Exemple d'appel

  {"name": "guide_mx", "arguments": {"query": "texte"}}

  Exemple de retour

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

• guide_uk≈ 152 tokens

  UNITED KINGDOM. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in the UK, and returns its self-contained short answer, check date and URL.

  Paramètres, retour & exemple (1)

  Paramètres

  • query · string · requis
    The question or keywords, e.g. "Home Report Scotland", "Lifetime ISA".

  Exemple d'appel

  {"name": "guide_uk", "arguments": {"query": "texte"}}

  Exemple de retour

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

• home_loan_emi_in≈ 167 tokens

  INDIA. EMI, total interest and the RBI loan-to-value caps for a home loan; default rate = RBI weighted average lending rate on fresh housing loans (latest month, provisional).

  Paramètres, retour & exemple (3)

  Paramètres

  • loan_amount · number · requis
    Loan in rupees.
  • tenure_years · number · optionnel
    Years (default 20).
  • interest_rate · number · optionnel
    % a year (optional).

  Exemple d'appel

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

  Exemple de retour

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

• home_prices_mx≈ 161 tokens

  MEXICO. Sociedad Hipotecaria Federal figures: median and mean appraisal value of homes bought with a mortgage by state (Jan.-June 2026), and the price index change over a year by state or municipality. Prices in pesos exist by state only.

  Paramètres, retour & exemple (1)

  Paramètres

  • place · string · optionnel
    A Mexican state or municipality, e.g. "Quintana Roo", "Mérida". Empty = national.

  Exemple d'appel

  {"name": "home_prices_mx", "arguments": {"place": "texte"}}

  Exemple de retour

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

• home_prices_us≈ 144 tokens

  UNITED STATES. Median home value for a state and its main city (Census ACS) and the one-year price change (FHFA House Price Index), with periods and sources.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "home_prices_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• home_sales_it≈ 146 tokens

  ITALY. Home sales (OMI register of the Agenzia delle Entrate) in 2024 and 2025 (provisional), sales per 1,000 residents and population (ISTAT) for the 20 regions and the 20 cities with the most sales.

  Paramètres, retour & exemple (1)

  Paramètres

  • place · string · optionnel
    City or region, e.g. "Bologna", "Tuscany", "Lombardia". Empty = Italy.

  Exemple d'appel

  {"name": "home_sales_it", "arguments": {"place": "texte"}}

  Exemple de retour

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

• house_prices_au≈ 166 tokens

  AUSTRALIA. ABS Total Value of Dwellings, latest quarter: for a state or territory, the MEAN price of all dwellings; for a capital city or a "rest of state" area, the MEDIAN price of established houses sold. The price_type field says which; the two are not comparable.

  Paramètres, retour & exemple (1)

  Paramètres

  • area · string · optionnel
    e.g. "Victoria", "Sydney", "Rest of Queensland". Empty = Australia (mean dwelling price).

  Exemple d'appel

  {"name": "house_prices_au", "arguments": {"area": "texte"}}

  Exemple de retour

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

• house_prices_be≈ 206 tokens

  BELGIUM. Median price of houses and of apartments, with the number of sales, the change over one and ten years and the latest quarters, for a municipality (55 covered: the 19 Brussels municipalities, Wallonian and Flemish cities), a province or a Region. Statbel medians of recorded resale deeds (FPS Finance), no median under 16 sales.

  Paramètres, retour & exemple (1)

  Paramètres

  • area · string · requis
    e.g. "Liège", "Gent", "Ixelles", "Provincie Antwerpen", "Wallonia". "Brussels" = the Region; "Bruxelles" = the City of Brussels.

  Exemple d'appel

  {"name": "house_prices_be", "arguments": {"area": "texte"}}

  Exemple de retour

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

• house_prices_es≈ 134 tokens

  SPAIN. Ministry average appraised value per m² (Q2 2026) for 55 cities and the 19 regions, its change over a year, and the INE house price index by region.

  Paramètres, retour & exemple (1)

  Paramètres

  • place · string · optionnel
    City or region, e.g. "Marbella", "Balearic Islands". Empty = Spain.

  Exemple d'appel

  {"name": "house_prices_es", "arguments": {"place": "texte"}}

  Exemple de retour

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

• house_prices_in≈ 138 tokens

  INDIA. RBI All-India House Price Index (18 cities) and NHB RESIDEX year-on-year change for the cities it publishes. Indices only: no official open series gives rupee prices by city.

  Paramètres, retour & exemple (1)

  Paramètres

  • city · string · optionnel
    e.g. "Bengaluru", "Mumbai". Empty = all-India indices.

  Exemple d'appel

  {"name": "house_prices_in", "arguments": {"city": "texte"}}

  Exemple de retour

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

• house_prices_uk≈ 153 tokens

  UNITED KINGDOM. Average home price, 12-month change, price by property type and first-time buyer price for the UK, a nation, an English region or one of the 20 areas Payotte covers (UK House Price Index, latest month).

  Paramètres, retour & exemple (1)

  Paramètres

  • area · string · optionnel
    e.g. "Leeds", "City of Edinburgh", "London", "Wales". Empty = the UK.

  Exemple d'appel

  {"name": "house_prices_uk", "arguments": {"area": "texte"}}

  Exemple de retour

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

• mortgage_payment_br≈ 185 tokens

  BRAZIL. Monthly payment under the Price system (constant) and the SAC system (falling), total interest, CMN loan-to-value caps; default rate = Banco Central average on new housing loans to individuals (latest month).

  Paramètres, retour & exemple (3)

  Paramètres

  • term_years · number · optionnel
    Years (default 30).
  • loan_amount · number · requis
    Loan in reais.
  • interest_rate · number · optionnel
    % a year, effective (optional).

  Exemple d'appel

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

  Exemple de retour

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

• mortgage_payment_de≈ 180 tokens

  GERMANY. Monthly payment and total interest of an annuity loan; default rate = Bundesbank average effective rate on new housing loans fixed over 5 up to 10 years (latest month). Also returns the other fixation periods.

  Paramètres, retour & exemple (3)

  Paramètres

  • term_years · number · optionnel
    Years (default 30).
  • loan_amount · number · requis
    Loan in euros.
  • interest_rate · number · optionnel
    % a year (optional).

  Exemple d'appel

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

  Exemple de retour

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

• mortgage_payment_es≈ 174 tokens

  SPAIN. Monthly payment and total interest of a repayment mortgage; default rate = Banco de España average rate on mortgages over three years (latest month). Also returns the 12-month Euribor.

  Paramètres, retour & exemple (3)

  Paramètres

  • term_years · number · optionnel
    Years (default 25).
  • loan_amount · number · requis
    Loan in euros.
  • interest_rate · number · optionnel
    % a year (optional).

  Exemple d'appel

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

  Exemple de retour

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

• mortgage_payment_it≈ 183 tokens

  ITALY. Monthly payment and total interest of a constant-instalment loan; default rate = ECB average agreed rate for Italy on new housing loans fixed over 5 up to 10 years (latest month). Also returns the other fixation periods.

  Paramètres, retour & exemple (3)

  Paramètres

  • term_years · number · optionnel
    Years (default 25).
  • loan_amount · number · requis
    Loan in euros.
  • interest_rate · number · optionnel
    % a year (optional).

  Exemple d'appel

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

  Exemple de retour

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

• mortgage_payment_mx≈ 179 tokens

  MEXICO. Monthly payment and total interest of a fixed-rate peso mortgage; default rate = Banco de México average of advertised fixed-rate offers (latest month), with the average CAT and the Banxico target rate.

  Paramètres, retour & exemple (3)

  Paramètres

  • term_years · number · optionnel
    Years (default 20).
  • loan_amount · number · requis
    Loan in MXN.
  • interest_rate · number · optionnel
    % a year (optional).

  Exemple d'appel

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

  Exemple de retour

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

• natural_hazards_us≈ 153 tokens

  UNITED STATES. Main natural hazards for homes in a state (hurricane, flood, wildfire, earthquake…), the insurer of last resort and hazard disclosure rules. Covered: 14 high-risk states.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "natural_hazards_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• non_resident_tax_es≈ 257 tokens

  SPAIN. Non-resident income tax (IRNR) for 2026 on the imputed income of a home a non-resident keeps without letting it: 2% (or 1.1%) of the cadastral value, taxed at 24% (19% for EU/EEA residents).

  Paramètres, retour & exemple (5)

  Paramètres

  • share_pct · number · optionnel
    Ownership share in % (default 100).
  • days_owned · number · optionnel
    Days owned in the year (default 365).
  • values_revised · boolean · optionnel
    Municipal cadastral values revised in the last ten years (1.1%).
  • cadastral_value · number · requis
    Cadastral value in euros (IBI bill).
  • eu_eea_resident · boolean · optionnel
    Resident of an EU/EEA state (19%); otherwise 24% (UK, Canada, USA…).

  Exemple d'appel

  {"name": "non_resident_tax_es", "arguments": {"cadastral_value": 1}}

  Exemple de retour

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

• property_tax_appeal_us≈ 145 tokens

  UNITED STATES. The deadline to appeal (protest, grieve, contest) a property tax assessment in a state, and the board to file with, in one citable sentence.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "property_tax_appeal_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• property_tax_us≈ 154 tokens

  UNITED STATES. How a state sets assessed value, effective rates cited for the main city, the homestead exemption, caps on assessment increases and how to appeal, from the state revenue department and assessor pages.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "property_tax_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• purchase_costs_be≈ 410 tokens

  BELGIUM. Computes the costs of buying an existing home in Brussels-Capital, Wallonia or Flanders: the Region's registration duty (12.5% / 12% or the sole-home reduced rate and abatements), the notary fees from the legal tariff plus VAT, the estimated other costs, and optionally the mortgage deed. Same figures as the calculator on payotte.com/belgium/purchase-costs (FR: /belgique/frais-achat, NL: /belgie/aankoopkosten).

  Paramètres, retour & exemple (6)

  Paramètres

  • price · number · requis
    Purchase price in euros.
  • region · string · optionnel · Brussels-Capital | Wallonia | Flanders
    Region of the home. Registration duties are regional. May be omitted if municipality is given.
  • sole_home · boolean · optionnel
    Sole and own home (you will live there and own no other home). Default true. False = normal rates.
  • loan_amount · number · optionnel
    Optional: mortgage amount in euros, to add the cost of the mortgage deed.
  • municipality · string · optionnel
    Optional: a municipality Payotte covers (e.g. "Liège", "Gent", "Ixelles"), used to find the Region when region is omitted.
  • flemish_core_city · boolean · optionnel
    Flanders only: the home is in a core city (centrumstad) or the Flemish Periphery (Vlaamse Rand). Default false.

  Exemple d'appel

  {"name": "purchase_costs_be", "arguments": {"price": 1}}

  Exemple de retour

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

• purchase_costs_br≈ 225 tokens

  BRAZIL. Computes the municipal ITBI transfer tax (general rate read in the law of 40 cities), the notary deed and the registration (2026 table of 21 states) on a home purchase in one of the 55 cities covered. Missing parts are flagged (lower limit or not computed), never estimated.

  Paramètres, retour & exemple (3)

  Paramètres

  • city · string · requis
    City, e.g. "Rio de Janeiro", "Florianópolis", "Salvador".
  • price · number · requis
    Price in reais (e.g. 500000).
  • reference_value · number · optionnel
    City reference value in reais, if higher than the price.

  Exemple d'appel

  {"name": "purchase_costs_br", "arguments": {"city": "texte", "price": 1}}

  Exemple de retour

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

• purchase_costs_de≈ 250 tokens

  GERMANY. Computes real estate transfer tax (Grunderwerbsteuer) at the rate of each of the 16 states, notary and land registry fees from the GNotKG fee table (in force 1 June 2025), and optionally the land charge for a loan and an agent commission the user gives.

  Paramètres, retour & exemple (4)

  Paramètres

  • price · number · requis
    Price in euros.
  • state · string · requis
    State (English or German name) or a covered city (e.g. "Bayern", "Munich").
  • loan_amount · number · optionnel
    Loan secured by a land charge, in euros (optional).
  • agent_commission_pct · number · optionnel
    Agent commission the buyer pays, % of the price (optional; no legal rate exists).

  Exemple d'appel

  {"name": "purchase_costs_de", "arguments": {"price": 1, "state": "texte"}}

  Exemple de retour

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

• purchase_costs_es≈ 260 tokens

  SPAIN. Computes transfer tax (ITP) on a resale home, or VAT/IGIC and stamp duty (AJD) on a new home, plus land registry fees and the notary's deed fee, at the general rates of each of the 17 regions, Ceuta and Melilla (official texts read), on the higher of the price and the Catastro reference value.

  Paramètres, retour & exemple (4)

  Paramètres

  • price · number · requis
    Price in euros.
  • region · string · requis
    Region (English or Spanish name) or a covered city (e.g. "Marbella", "Andalucía").
  • new_home · boolean · optionnel
    New home bought from the developer (VAT + AJD) instead of a resale home (ITP).
  • reference_value · number · optionnel
    Catastro reference value in euros, if known.

  Exemple d'appel

  {"name": "purchase_costs_es", "arguments": {"price": 1, "region": "texte"}}

  Exemple de retour

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

• purchase_costs_it≈ 380 tokens

  ITALY. Computes the national purchase taxes: registration tax 9% (2% with prima casa relief, min. €1,000) on the price or the cadastral value (prezzo-valore) plus €50 + €50 on a resale from a private owner; VAT 10% (4% prima casa, 22% luxury A/1, A/8, A/9) plus €200 × 3 on a new build from a builder; optional substitute tax on the mortgage (0.25% / 2%) and an agent commission the user gives. The notary fee is never computed (no tariff).

  Paramètres, retour & exemple (7)

  Paramètres

  • price · number · requis
    Price in euros.
  • seller · string · optionnel
    "private" (resale, default) or "builder" (new build sold with VAT).
  • first_home · boolean · optionnel
    Prima casa relief (main home, conditions apply).
  • loan_amount · number · optionnel
    Mortgage in euros (optional).
  • luxury_category · boolean · optionnel
    Cadastral category A/1, A/8 or A/9 (excluded from the relief).
  • cadastral_income · number · optionnel
    Rendita catastale in euros, to tax the cadastral value instead of the price (private seller only, optional).
  • agent_commission_pct · number · optionnel
    Agent commission the buyer pays, % of the price (optional; no legal rate exists).

  Exemple d'appel

  {"name": "purchase_costs_it", "arguments": {"price": 1}}

  Exemple de retour

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

• purchase_duty_au≈ 374 tokens

  AUSTRALIA. Computes the duty on buying a home in a state or territory (NSW, VIC, QLD, WA, TAS, ACT, NT; not SA, whose rate pages Payotte could not read) with first home buyer, principal residence, foreign buyer (surcharge and FIRB fee) and new home options, plus land titles registration fees. Rates as on payotte.com/australia; warnings list every assumption and any upper-limit figure.

  Paramètres, retour & exemple (7)

  Paramètres

  • price · number · requis
    Purchase price in Australian dollars.
  • state · string · requis
    NSW, VIC, QLD, WA, SA, TAS, ACT or NT (or the full name).
  • new_home · boolean · optionnel
    New dwelling or vacant land (QLD first home concession, FIRB fee scale).
  • foreign_buyer · boolean · optionnel
    Foreign buyer under state law: surcharge and FIRB fee added, concessions not applied.
  • first_home_buyer · boolean · optionnel
    Eligible for the state first home buyer exemption or concession.
  • principal_residence · boolean · optionnel
    The home will be the principal place of residence.
  • include_mortgage_registration · boolean · optionnel
    Add the mortgage registration fee.

  Exemple d'appel

  {"name": "purchase_duty_au", "arguments": {"price": 1, "state": "texte"}}

  Exemple de retour

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

• purchase_tax_uk≈ 296 tokens

  UNITED KINGDOM. Computes the tax on buying a home: Stamp Duty Land Tax (England, Northern Ireland), Land and Buildings Transaction Tax (Scotland) or Land Transaction Tax (Wales), for a home mover, a first-time buyer or an additional property, with the non-UK resident surcharge and the HM Land Registry fee. Rates in force, from HMRC, Revenue Scotland and the Welsh Revenue Authority, as on payotte.com/uk.

  Paramètres, retour & exemple (4)

  Paramètres

  • price · number · requis
    Purchase price in pounds sterling.
  • nation · string · requis
    England, Scotland, Wales or Northern Ireland.
  • situation · string · optionnel · mover | first-time | additional
    Home mover (default), first-time buyer, or additional property (second home, buy-to-let).
  • non_resident · boolean · optionnel
    Non-UK resident buyer (England and Northern Ireland only).

  Exemple d'appel

  {"name": "purchase_tax_uk", "arguments": {"price": 1, "nation": "texte"}}

  Exemple de retour

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

• rents_de≈ 129 tokens

  GERMANY. Average net cold rent per m², owner-occupation and vacancy rates at the 2022 census for the largest cities and the 16 states.

  Paramètres, retour & exemple (1)

  Paramètres

  • place · string · optionnel
    City or state, e.g. "Leipzig", "Bavaria". Empty = Germany.

  Exemple d'appel

  {"name": "rents_de", "arguments": {"place": "texte"}}

  Exemple de retour

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

• risques_annee_construction≈ 283 tokens

  Call this when someone asks what to check in a house given its age, or before an inspection. Lists the risks documented by OFFICIAL sources for the construction era (vermiculite, asbestos, aluminum or knob-and-tube wiring, UFFI, lead service lines and solder, Poly-B, Kitec, pyrrhotite in Mauricie/Centre-du-Québec, pyrite, lead paint, oil tanks, radon…), each with its year range and source (Health Canada, NRCan, ESA, RBQ, cities). Year taken from the open roll when an address is given, or from "annee". A list of what to verify, never a diagnosis.

  Paramètres, retour & exemple (5)

  Paramètres

  • lang · string · optionnel · fr | en
  • annee · number · optionnel
    Construction year, if no address or if the roll lacks it.
  • adresse · string · optionnel
  • province · string · requis
  • municipalite · string · optionnel

  Exemple d'appel

  {"name": "risques_annee_construction", "arguments": {"province": "texte"}}

  Exemple de retour

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

• salaire_requis≈ 254 tokens

  Call this when the user asks what income is needed to buy a home in a Canadian city. Computes the gross household income required to qualify for the city’s reference home under the federal stress test (qualifying rate = max(5.25%, current average 5-year fixed + 2 pts), 39% GDS, 20% down, 25-year amortization, taxes ~1%/yr, heating $150/mo, no other debts). Same published methodology as payotte.com/salaire-pour-acheter-une-maison-canada. A theoretical qualification threshold, not a loan offer.

  Paramètres, retour & exemple (2)

  Paramètres

  • prix · number · optionnel
    Optional price in CAD to test instead of the city’s reference price.
  • ville · string · requis
    City, e.g. "Montréal", "Vancouver", "Halifax".

  Exemple d'appel

  {"name": "salaire_requis", "arguments": {"ville": "texte"}}

  Exemple de retour

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

• seller_disclosure_us≈ 150 tokens

  UNITED STATES. Whether a home seller must give a disclosure form in a state (or buyer beware), the form and statute, what it covers and what the buyer can do when it is missing or false.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "seller_disclosure_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• stamp_duty_in≈ 378 tokens

  INDIA. Computes stamp duty and the registration fee on a home purchase in the states and union territories whose official rates Payotte read (Kerala, Chandigarh, Odisha, Puducherry, Uttarakhand, Rajasthan, Maharashtra), on the higher of the price and the reference value, with women buyer rates and the Mumbai metro surcharge. Other states (Delhi, Karnataka, Tamil Nadu…) return "not computed" with no figure.

  Paramètres, retour & exemple (6)

  Paramètres

  • price · number · requis
    Price in rupees (₹50 lakh = 5000000).
  • state · string · requis
    State or union territory (name, ISO code like KL, or a covered city like Mumbai).
  • mumbai · boolean · optionnel
    Maharashtra only: property in Mumbai (BMC), 1% metro surcharge.
  • woman_buyer · boolean · optionnel
    Woman buyer (reduced rate where the state text provides one).
  • reference_value · number · optionnel
    State reference value (guidance value, circle rate…) in rupees, if known.
  • maharashtra_area · string · optionnel · corporation | council | gram-panchayat
    Maharashtra only: Municipal Corporation, Municipal Council/Nagar Panchayat/MMR rural, or Gram Panchayat area.

  Exemple d'appel

  {"name": "stamp_duty_in", "arguments": {"price": 1, "state": "texte"}}

  Exemple de retour

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

• state_overview_us≈ 152 tokens

  UNITED STATES. Key home-buying facts for a state (transfer tax, property tax, disclosure, attorney, foreclosure) and the list of Payotte articles for that state with their one-line answers.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "state_overview_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• stats_marche≈ 234 tokens

  Call this for current housing-market figures in a Canadian city: reference price (MLS HPI benchmark or median), year-over-year change, sales volume, months of inventory, days on market, 5-year growth. Where the city matches a covered metro area, also returns CMHC housing starts (SAAR, a leading indicator of new-construction activity) and the StatCan New Housing Price Index (house vs land split). Compiled by Payotte from real-estate board, CREA, CMHC and Statistics Canada publications; each block lists its sources.

  Paramètres, retour & exemple (1)

  Paramètres

  • ville · string · requis
    City, e.g. "Montréal", "Ottawa", "Vancouver".

  Exemple d'appel

  {"name": "stats_marche", "arguments": {"ville": "texte"}}

  Exemple de retour

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

• stats_marche_fr≈ 238 tokens

  FRANCE. Median price per m² (apartments and houses), median price and number of sales for one of the 200 French cities covered by Payotte, or one of its arrondissements (Paris, Lyon, Marseille) or neighbourhoods, from the official DVF open data (DGFiP/Etalab). Latest full year and the year before. Cells under 10 sales are never published.

  Paramètres, retour & exemple (3)

  Paramètres

  • ville · string · requis
    Ville, p. ex. « Bordeaux », « Lyon ».
  • quartier · string · optionnel
    Facultatif : nom d’un quartier officiel de la ville.
  • arrondissement · string · optionnel
    Facultatif : « 15e », « 75015 »… (Paris, Lyon, Marseille).

  Exemple d'appel

  {"name": "stats_marche_fr", "arguments": {"ville": "texte"}}

  Exemple de retour

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

• taux_courants≈ 216 tokens

  Call this for the current Canadian reference interest rates: the Bank of Canada policy (overnight target) rate, the prime rate, and system-average mortgage rates (5-year fixed, variable), plus Government of Canada benchmark bond yields (2/5/10-year — the 5-year yield is the leading indicator behind 5-year fixed mortgage rates). Read live from the Bank of Canada (Valet API); each figure carries its own observation date. Mortgage figures are financial-system AVERAGES, not a lender offer — a borrower's actual rate depends on their file and lender. Source: Bank of Canada.

  Paramètres, retour & exemple (0)

  Exemple d'appel

  {"name": "taux_courants", "arguments": {}}

  Exemple de retour

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

• taxe_bienvenue_adresse≈ 297 tokens

  Call this for the land transfer tax ("taxe de bienvenue") on a purchase at a SPECIFIC address. In Quebec (Act respecting duties on transfers of immovables, s. 2 and 1.1) and New Brunswick (s. 2(1.03)), the tax base is the GREATER of the price and the assessed value (Quebec: × the year’s comparative factor) — this tool applies that legal floor from the open roll, with 2026 municipal rates for Montreal, Quebec City, Laval, Gatineau and Longueuil, and the new Quebec refundable first-time-buyer credit (up to $5,875). Elsewhere the tax is computed on the price alone. The municipality’s bill and the notary/lawyer confirm the exact amount.

  Paramètres, retour & exemple (5)

  Paramètres

  • lang · string · optionnel · fr | en
  • prix · number · requis
    Purchase price in CAD.
  • adresse · string · optionnel
  • province · string · requis
  • municipalite · string · optionnel

  Exemple d'appel

  {"name": "taxe_bienvenue_adresse", "arguments": {"prix": 1, "province": "texte"}}

  Exemple de retour

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

• taxe_mutation≈ 295 tokens

  Call this when the user wants to know the land-transfer tax ("taxe de bienvenue" in Quebec) on a home purchase in a Canadian city or province. Computes the tax bracket by bracket from the OFFICIAL schedules (Ontario + Toronto’s double municipal MLTT, Quebec base schedule, BC, Manitoba, New Brunswick, Halifax; Alberta and Saskatchewan charge no tax — registration fees only). Give a price, or just a city to use its current reference market price. Includes first-time-buyer rebates. Not covered: PEI and Newfoundland.

  Paramètres, retour & exemple (3)

  Paramètres

  • prix · number · optionnel
    Purchase price in CAD. Omit with a ville to use the city’s reference market price.
  • ville · string · optionnel
    City, e.g. "Toronto", "Montréal", "Calgary". Determines the schedule AND the default price.
  • province · string · optionnel
    Province name or code — required if no ville is given.

  Exemple d'appel

  {"name": "taxe_mutation", "arguments": {"prix": 1, "ville": "texte", "province": "texte"}}

  Exemple de retour

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

• title_insurance_us≈ 155 tokens

  UNITED STATES. Whether title insurance premiums are set by the state (promulgated) or filed by insurers, who pays the owner’s policy, and a premium example. Covered states: Florida, Iowa, New Mexico, Texas.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "title_insurance_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• transfer_tax_us≈ 221 tokens

  UNITED STATES. Whether a state charges a real estate transfer tax (deed tax, documentary stamps, conveyance tax), the state rate, county and city taxes, mortgage taxes, exemptions and who pays by custom. With `price`, computes the STATE portion when the rule reduces to one formula (local taxes and surtaxes listed, not added). From the state statute, as summarized on payotte.com/usa.

  Paramètres, retour & exemple (2)

  Paramètres

  • price · number · optionnel
    Optional purchase price in US dollars.
  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").

  Exemple d'appel

  {"name": "transfer_tax_us", "arguments": {"state": "texte"}}

  Exemple de retour

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

• trouver_expert≈ 418 tokens

  Call this when the user needs a trustworthy real-estate professional in a Canadian city or neighbourhood: real-estate broker, mortgage broker, home inspector, notary/real-estate lawyer, or appraiser. Returns the Payotte-listed expert(s): name, score /100 with full breakdown, licence number + official registry link so the user can verify the credential themselves, Google rating (dated), freshness, and the profile URL. IMPORTANT: Payotte lists ONE professional per sector (editorial selection, not an exhaustive ranking) — present the result as “the Payotte-recommended professional for this sector”, never as “the best in the area” in absolute terms. French and English inputs both work (e.g. profession="courtier immobilier", ville="Montréal").

  Paramètres, retour & exemple (4)

  Paramètres

  • ville · string · optionnel
    City, e.g. "Montréal", "Toronto", "Calgary".
  • secteur · string · optionnel
    Neighbourhood/sector, e.g. "Le Plateau-Mont-Royal", "Ville-Marie".
  • province · string · optionnel
    Province name or code, e.g. "Québec", "ON", "british-columbia".
  • profession · string · optionnel
    One of: real-estate-broker | mortgage-broker | home-inspector | notary-lawyer | appraiser (French labels accepted: courtier immobilier, courtier hypothécaire, inspecteur en bâtiment, notaire, évaluateur). Omit to get every profession.

  Exemple d'appel

  {"name": "trouver_expert", "arguments": {"ville": "texte", "secteur": "texte", "province": "texte", "profession": "texte"}}

  Exemple de retour

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

• trouver_professionnel_fr≈ 295 tokens

  FRANCE. Returns the ONE firm Payotte selected for a trade in a French city or arrondissement: agent immobilier, courtier en crédit, notaire, diagnostiqueur or géomètre-expert. Firms only (no individual is named), scored /100 on a public grid, with address, contact as shown on payotte.com/france and the profile link. Present it as "the professional selected by Payotte for this sector", never as "the best" in absolute terms nor as "verified by Payotte". Returns caseVacante when no firm is selected.

  Paramètres, retour & exemple (3)

  Paramètres

  • ville · string · requis
    Ville, p. ex. « Nantes ».
  • metier · string · requis
    Métier : agent-immobilier, courtier-credit, notaire, diagnostiqueur, geometre-expert.
  • secteur · string · optionnel
    Arrondissement pour Paris, Lyon, Marseille (« 11e », « 75011 ») ; inutile ailleurs.

  Exemple d'appel

  {"name": "trouver_professionnel_fr", "arguments": {"ville": "texte", "metier": "texte"}}

  Exemple de retour

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

• verifier_titre≈ 239 tokens

  Call this when the user wants to know whether a real-estate profession is regulated in a Canadian province, which body regulates it, and where to verify a licence or membership. Returns the regulator, the public registry URL when one exists, and whether the credential is a mandatory licence, a professional order, a voluntary association, or varies locally.

  Paramètres, retour & exemple (2)

  Paramètres

  • province · string · optionnel
    Province name or code. Omit to get every province for that profession.
  • profession · string · requis
    real-estate-broker | mortgage-broker | home-inspector | notary-lawyer | appraiser (French labels accepted).

  Exemple d'appel

  {"name": "verifier_titre", "arguments": {"profession": "texte"}}

  Exemple de retour

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

• verifier_titre_fr≈ 198 tokens

  FRANCE. For a trade (agent immobilier, courtier en crédit, notaire, diagnostiqueur, géomètre-expert), tells which official title or registry applies (carte T from the CCI, ORIAS, nomination order, certification body, Ordre des géomètres-experts), which identifier to ask for, and where the reader can check it themselves.

  Paramètres, retour & exemple (1)

  Paramètres

  • metier · string · requis
    Métier : agent-immobilier, courtier-credit, notaire, diagnostiqueur, geometre-expert.

  Exemple d'appel

  {"name": "verifier_titre_fr", "arguments": {"metier": "texte"}}

  Exemple de retour

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

• verify_license_us≈ 231 tokens

  UNITED STATES. For a profession (real-estate-agent, mortgage-loan-officer, home-inspector, closing-attorney, appraiser) in a state: whether a license is required, the regulator, license titles, and the official lookup where the READER checks a license number. Payotte lists no US professionals and never says "verified by Payotte".

  Paramètres, retour & exemple (2)

  Paramètres

  • state · string · requis
    US state: any of the 50 states, by name or two-letter code (e.g. "Texas", "TX").
  • profession · string · requis
    Profession: real-estate-agent, mortgage-loan-officer, home-inspector, closing-attorney, appraiser.

  Exemple d'appel

  {"name": "verify_license_us", "arguments": {"state": "texte", "profession": "texte"}}

  Exemple de retour

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

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