MCP Server
Capucine — ScoreCredit
fr.scorecredit/capucine
What this MCP does
Provides French mortgage capacity calculations, financing simulations, rate and usury-cap references, insurance savings estimates, and application preparation guidance.
Capabilities
Tools
13
tools
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.
Read only
Idempotent
Input schema
{'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}
Output schema
{'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.
Read only
Idempotent
Input schema
{'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}
Output schema
{'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.
Read only
Idempotent
Input schema
{'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}
Output schema
{'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.
Open world
Input schema
{'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}
Output schema
{'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.
Read only
Idempotent
Input schema
{'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}
Output schema
{'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.
Read only
Idempotent
Input schema
{'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}
Output schema
{'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).
Read only
Idempotent
Input schema
{'type': 'object', 'properties': {}, 'additionalProperties': False}
Output schema
{'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.
Read only
Idempotent
Input schema
{'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}
Output schema
{'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.
Read only
Open world
Idempotent
Input schema
{'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}
Output schema
{'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.
Read only
Idempotent
Input schema
{'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}
Output schema
{'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.
Read only
Open world
Idempotent
Input schema
{'type': 'object', 'properties': {}, 'additionalProperties': False}
Output schema
{'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.
Read only
Open world
Idempotent
Input schema
{'type': 'object', 'properties': {}, 'additionalProperties': False}
Output schema
{'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.
Open world
Input schema
{'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}
Output schema
{'type': 'object', 'properties': {'ok': {'type': 'boolean'}, 'error': {'type': 'string'}, 'erreur': {'type': 'string'}, 'lead_id': {'type': 'integer'}}, 'additionalProperties': True}
History
Recent tool changes
Added
veille_taux
Sept. 25, 2026, 2:40 a.m.
Added
demander_rappel_courtiere
Sept. 25, 2026, 2:40 a.m.
Added
audit_dossier_bancaire
Sept. 25, 2026, 2:40 a.m.
Added
comparer_scenarios_financement
Sept. 25, 2026, 2:40 a.m.
Added
simulation_financement_complet
Sept. 25, 2026, 2:40 a.m.
Added
plan_action_financement
Sept. 25, 2026, 2:40 a.m.
Added
diagnostic_credit_express
Sept. 25, 2026, 2:40 a.m.
Added
economie_assurance_express
Sept. 25, 2026, 2:40 a.m.
Added
capacite_emprunt_express
Sept. 25, 2026, 2:40 a.m.
Added
radar_banques
Sept. 25, 2026, 2:40 a.m.
Added
identite_cabinet
Sept. 25, 2026, 2:40 a.m.
Added
taux_usure_en_vigueur
Sept. 25, 2026, 2:40 a.m.
Added
taux_immobilier_jour
Sept. 25, 2026, 2:40 a.m.
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