此 MCP 可以做什么
Provides French mortgage capacity calculations, financing simulations, rate and usury-cap references, insurance savings estimates, and application preparation guidance.
功能
工具
13
工具
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.
只读
幂等
输入模式
{'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}
输出模式
{'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.
只读
幂等
输入模式
{'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}
输出模式
{'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.
只读
幂等
输入模式
{'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}
输出模式
{'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.
可访问外部资源
输入模式
{'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}
输出模式
{'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.
只读
幂等
输入模式
{'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}
输出模式
{'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.
只读
幂等
输入模式
{'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}
输出模式
{'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).
只读
幂等
输入模式
{'type': 'object', 'properties': {}, 'additionalProperties': False}
输出模式
{'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.
只读
幂等
输入模式
{'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}
输出模式
{'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.
只读
可访问外部资源
幂等
输入模式
{'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}
输出模式
{'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.
只读
幂等
输入模式
{'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}
输出模式
{'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.
只读
可访问外部资源
幂等
输入模式
{'type': 'object', 'properties': {}, 'additionalProperties': False}
输出模式
{'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.
只读
可访问外部资源
幂等
输入模式
{'type': 'object', 'properties': {}, 'additionalProperties': False}
输出模式
{'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.
可访问外部资源
输入模式
{'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}
输出模式
{'type': 'object', 'properties': {'ok': {'type': 'boolean'}, 'error': {'type': 'string'}, 'erreur': {'type': 'string'}, 'lead_id': {'type': 'integer'}}, 'additionalProperties': True}
历史
近期工具变更
已添加
veille_taux
2026年9月25日 02:40
已添加
demander_rappel_courtiere
2026年9月25日 02:40
已添加
audit_dossier_bancaire
2026年9月25日 02:40
已添加
comparer_scenarios_financement
2026年9月25日 02:40
已添加
simulation_financement_complet
2026年9月25日 02:40
已添加
plan_action_financement
2026年9月25日 02:40
已添加
diagnostic_credit_express
2026年9月25日 02:40
已添加
economie_assurance_express
2026年9月25日 02:40
已添加
capacite_emprunt_express
2026年9月25日 02:40
已添加
radar_banques
2026年9月25日 02:40
已添加
identite_cabinet
2026年9月25日 02:40
已添加
taux_usure_en_vigueur
2026年9月25日 02:40
已添加
taux_immobilier_jour
2026年9月25日 02:40
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