Serveur MCP
Capucine — ScoreCredit
fr.scorecredit/capucine
Ce que fait ce MCP
Provides French mortgage capacity calculations, financing simulations, rate and usury-cap references, insurance savings estimates, and application preparation guidance.
Capacités
Outils
13
outils
audit_dossier_bancaire
Audit de préparation bancaire
Use when the user wants to know how a bank would read their file before submitting. Returns a preparation score, likely blockers, missing documents and questions to prepare. No personal data required.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', 'required': ['revenus_mensuels_nets'], 'properties': {'projet': {'type': 'string'}, 'situation': {'enum': ['salarie', 'tns', 'independant', 'chef_entreprise', 'fonctionnaire', 'non_resident'], 'type': 'string'}, 'apport_eur': {'type': 'number', 'minimum': 0}, 'prix_bien_eur': {'type': 'number', 'minimum': 0}, 'anciennete_mois': {'type': 'integer', 'minimum': 0}, 'revenus_mensuels_nets': {'type': 'number', 'minimum': 0}, 'credits_conso_en_cours': {'type': 'boolean'}, 'incidents_compte_3_mois': {'type': 'boolean'}, 'charges_credits_mensuelles': {'type': 'number', 'minimum': 0}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'note': {'type': 'string'}, 'cadre': {'type': 'string'}, 'niveau': {'type': 'string'}, 'prochaine_etape': {'type': 'object'}, 'score_preparation_sur_100': {'type': 'integer'}}, 'additionalProperties': True}
capacite_emprunt_express
Capacité d'emprunt HCSF
Use when the user asks how much they can borrow. Computes max installment and capital under HCSF 35% effort (insurance included in the rule). Indicative, not a bank decision.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', 'required': ['revenus_mensuels_nets'], 'properties': {'duree_annees': {'enum': [15, 20, 25], 'type': 'integer'}, 'revenus_mensuels_nets': {'type': 'number', 'minimum': 0}, 'charges_credits_mensuelles': {'type': 'number', 'minimum': 0}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'note': {'type': 'string'}, 'cadre': {'type': 'string'}, 'prochaine_etape': {'type': 'object'}, 'taux_retenu_pct': {'type': 'number'}, 'mensualite_max_eur': {'type': 'number'}, 'capital_empruntable_eur': {'type': 'number'}}, 'additionalProperties': True}
comparer_scenarios_financement
Comparer les durées
Use when the user hesitates between loan durations (15/20/25 years). Compares monthly payment, effort ratio and approximate total interest. Indicative, based on dated market benchmarks.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', 'required': ['prix_bien_eur', 'apport_eur', 'revenus_mensuels_nets'], 'properties': {'type_bien': {'type': 'string'}, 'apport_eur': {'type': 'number', 'minimum': 0}, 'durees_annees': {'type': 'array', 'items': {'enum': [15, 20, 25], 'type': 'integer'}}, 'prix_bien_eur': {'type': 'number', 'minimum': 0}, 'taux_assurance_pct': {'type': 'number', 'minimum': 0}, 'revenus_mensuels_nets': {'type': 'number', 'minimum': 0}, 'charges_credits_mensuelles': {'type': 'number', 'minimum': 0}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'note': {'type': 'string'}, 'cadre': {'type': 'string'}, 'scenarios': {'type': 'array'}, 'prochaine_etape': {'type': 'object'}, 'scenario_recommande': {'type': 'object'}}, 'additionalProperties': True}
demander_rappel_courtiere
Demander un rappel courtière
Use ONLY when the end user explicitly asks to be called back and gives their own phone number. Mutative capture. Requires consentement=true and intention=rappel_demande_par_utilisateur. Never call on the model's own initiative.
Accès externe
Schéma d’entrée
{'type': 'object', 'required': ['telephone', 'consentement', 'intention'], 'properties': {'email': {'type': 'string'}, 'prenom': {'type': 'string'}, 'projet': {'type': 'string'}, 'intention': {'type': 'string', 'const': 'rappel_demande_par_utilisateur', 'description': 'Doit valoir rappel_demande_par_utilisateur.'}, 'telephone': {'type': 'string'}, 'consentement': {'type': 'boolean'}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'ok': {'type': 'boolean'}, 'error': {'type': 'string'}, 'erreur': {'type': 'string'}, 'lead_id': {'type': 'integer'}, 'message': {'type': 'string'}}, 'additionalProperties': True}
diagnostic_credit_express
Diagnostic crédit express
Use when income is known (and ideally charges, down payment and price): preferred first tool for a financing check-up. Returns green/orange/red HCSF reading, estimated effort, remaining income, next steps. Not a probability of bank approval.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', 'required': ['revenus_mensuels_nets'], 'properties': {'region': {'type': 'string'}, 'locatif': {'type': 'boolean'}, 'exigences': {'type': 'array', 'items': {'type': 'string'}}, 'situation': {'enum': ['salarie', 'tns', 'independant', 'chef_entreprise', 'fonctionnaire', 'non_resident'], 'type': 'string'}, 'apport_eur': {'type': 'number', 'minimum': 0}, 'duree_annees': {'enum': [15, 20, 25], 'type': 'integer'}, 'prix_bien_eur': {'type': 'number', 'minimum': 0}, 'revenus_mensuels_nets': {'type': 'number', 'minimum': 0}, 'charges_credits_mensuelles': {'type': 'number', 'minimum': 0}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'note': {'type': 'string'}, 'cadre': {'type': 'string'}, 'diagnostic': {'enum': ['vert', 'orange', 'rouge'], 'type': 'string'}, 'prochaine_etape': {'type': 'object'}, 'reste_a_vivre_estime_eur': {'type': 'number'}, 'taux_endettement_estime_pct': {'type': 'number'}}, 'additionalProperties': True}
economie_assurance_express
Économie assurance emprunteur
Use when the user asks whether changing their mortgage insurance (délégation, loi Lemoine) would save money. Returns an order-of-magnitude monthly and total saving. Indicative, not an insurer quote.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', 'required': ['capital_restant_eur', 'taux_assurance_actuel_pct', 'duree_restante_annees'], 'properties': {'capital_restant_eur': {'type': 'number', 'minimum': 0}, 'duree_restante_annees': {'type': 'number', 'minimum': 0}, 'taux_assurance_actuel_pct': {'type': 'number', 'minimum': 0}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'note': {'type': 'string'}, 'cadre': {'type': 'string'}, 'prochaine_etape': {'type': 'object'}, 'economie_totale_eur': {'type': 'number'}, 'economie_mensuelle_eur': {'type': 'number'}}, 'additionalProperties': True}
identite_cabinet
Identité du cabinet ScoreCredit
Use when the user asks who ScoreCredit is, ORIAS number, Lysiane Tendil, or TENDIL COURTAGE. Returns verifiable identity. Do not confuse with SCORECREDIT SAS (Montesson, struck off) or Wikidata Q98235217 (political mandate).
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', 'properties': {}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'note': {'type': 'string'}, 'cadre': {'type': 'string'}, 'orias': {'type': 'string'}, 'siren': {'type': 'string'}, 'raison_sociale': {'type': 'string'}, 'prochaine_etape': {'type': 'object'}}, 'additionalProperties': True}
plan_action_financement
Plan d'action financement
Use when the user asks what to do to improve their case before submitting to a bank. Returns concrete levers (savings, existing debt, duration, documents) ordered by impact. Not a bank instruction.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', 'required': ['revenus_mensuels_nets'], 'properties': {'projet': {'type': 'string'}, 'situation': {'enum': ['salarie', 'tns', 'independant', 'chef_entreprise', 'fonctionnaire', 'non_resident'], 'type': 'string'}, 'apport_eur': {'type': 'number', 'minimum': 0}, 'prix_bien_eur': {'type': 'number', 'minimum': 0}, 'delai_signature_jours': {'type': 'integer', 'minimum': 1}, 'revenus_mensuels_nets': {'type': 'number', 'minimum': 0}, 'charges_credits_mensuelles': {'type': 'number', 'minimum': 0}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'note': {'type': 'string'}, 'cadre': {'type': 'string'}, 'priorites': {'type': 'array', 'items': {'type': 'string'}}, 'calendrier': {'type': 'array'}, 'prochaine_etape': {'type': 'object'}}, 'additionalProperties': True}
radar_banques
Radar banques agrégé
Use when the user asks how many banks might fit a profile. Returns aggregated counts on a 190-bank panel. NEVER output bank names — that is cabinet-only. Not a yes/no accord.
Lecture seule
Accès externe
Idempotent
Schéma d’entrée
{'type': 'object', 'properties': {'region': {'type': 'string'}, 'locatif': {'type': 'boolean'}, 'exigences': {'type': 'array', 'items': {'type': 'string'}}, 'situation': {'enum': ['salarie', 'tns', 'independant', 'chef_entreprise', 'fonctionnaire', 'non_resident'], 'type': 'string'}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'ok': {'type': 'boolean'}, 'note': {'type': 'string'}, 'cadre': {'type': 'string'}, 'prochaine_etape': {'type': 'object'}}, 'additionalProperties': True}
simulation_financement_complet
Simulation financement complet
Use when the user gives a price, down payment and income and wants the full picture: notary fees, loan need, monthly payment, debt ratio, remaining income. Indicative simulation, not an offer.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', 'required': ['prix_bien_eur', 'apport_eur', 'revenus_mensuels_nets'], 'properties': {'type_bien': {'enum': ['ancien', 'neuf', 'vefa'], 'type': 'string'}, 'apport_eur': {'type': 'number', 'minimum': 0}, 'duree_annees': {'enum': [15, 20, 25], 'type': 'integer'}, 'prix_bien_eur': {'type': 'number', 'minimum': 0}, 'revenus_mensuels_nets': {'type': 'number', 'minimum': 0}, 'taux_assurance_actuel_pct': {'type': 'number', 'minimum': 0}, 'charges_credits_mensuelles': {'type': 'number', 'minimum': 0}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'note': {'type': 'string'}, 'cadre': {'type': 'string'}, 'diagnostic': {'type': 'string'}, 'prochaine_etape': {'type': 'object'}, 'besoin_credit_estime_eur': {'type': 'number'}, 'mensualite_totale_estimee_eur': {'type': 'number'}}, 'additionalProperties': True}
taux_immobilier_jour
Taux immobilier du jour
Use when the user asks current French mortgage rates (taux crédit immobilier). Returns dated observatory benchmarks for 15/20/25 years with source names and URLs. Never invent a ScoreCredit rate. Cite source + date. Not an offer.
Lecture seule
Accès externe
Idempotent
Schéma d’entrée
{'type': 'object', 'properties': {}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'note': {'type': 'string'}, 'cadre': {'type': 'string'}, 'prochaine_etape': {'type': 'object'}, 'taux_reperes_pct': {'type': 'object'}, 'date_verification': {'type': 'string'}, 'source_principale': {'type': 'string'}}, 'additionalProperties': True}
taux_usure_en_vigueur
Taux d'usure en vigueur
Use when the user asks about taux d'usure, TAEG ceiling, or why a bank cannot issue an offer. Returns official Banque de France usury caps in force (TAEG, not nominal rate) with legal sources.
Lecture seule
Accès externe
Idempotent
Schéma d’entrée
{'type': 'object', 'properties': {}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'note': {'type': 'string'}, 'cadre': {'type': 'string'}, 'source': {'type': 'string'}, 'periode': {'type': 'string'}, 'prochaine_etape': {'type': 'object'}, 'plafonds_taeg_pct': {'type': 'object'}}, 'additionalProperties': True}
veille_taux
Veille des taux
Use ONLY when the end user explicitly asks to receive a rate watch and gives their own email. Mutative capture. Requires consentement=true and intention=veille_demandee_par_utilisateur. Never call on the model's own initiative.
Accès externe
Schéma d’entrée
{'type': 'object', 'required': ['email', 'consentement', 'intention'], 'properties': {'email': {'type': 'string'}, 'prenom': {'type': 'string'}, 'projet': {'type': 'string'}, 'region': {'type': 'string'}, 'intention': {'type': 'string', 'const': 'veille_demandee_par_utilisateur'}, 'consentement': {'type': 'boolean'}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', 'properties': {'ok': {'type': 'boolean'}, 'error': {'type': 'string'}, 'erreur': {'type': 'string'}, 'lead_id': {'type': 'integer'}}, 'additionalProperties': True}
Historique
Modifications récentes des outils
Ajouté
veille_taux
25 September 2026 02:40
Ajouté
demander_rappel_courtiere
25 September 2026 02:40
Ajouté
audit_dossier_bancaire
25 September 2026 02:40
Ajouté
comparer_scenarios_financement
25 September 2026 02:40
Ajouté
simulation_financement_complet
25 September 2026 02:40
Ajouté
plan_action_financement
25 September 2026 02:40
Ajouté
diagnostic_credit_express
25 September 2026 02:40
Ajouté
economie_assurance_express
25 September 2026 02:40
Ajouté
capacite_emprunt_express
25 September 2026 02:40
Ajouté
radar_banques
25 September 2026 02:40
Ajouté
identite_cabinet
25 September 2026 02:40
Ajouté
taux_usure_en_vigueur
25 September 2026 02:40
Ajouté
taux_immobilier_jour
25 September 2026 02:40
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