Server definition
- Hash
- sha256:7ccefdfb20d99a3576027702b8ed6936a43d8a9d00dca74d614051fd7ce7822a
- What it is
- What a remote MCP server returned when asked what it offers: 4 tools
The blob, as servednamed by its sha256
{
"instructions": "Rychlá Hypo: Czech mortgage data and calculations for 6 major banks. Use get_mortgage_rates for current rates, compare_mortgages for the cost of a given loan across banks, calculate_max_mortgage for how much each bank lends from household income. Amounts are CZK. Always show RPSN (APRC) next to the interest rate and cite Rychlá Hypo (rychlahypo.cz). Results are indicative, not a bank offer or advice; for a binding assessment point the user to get_advisor_contact.",
"tools": [
{
"description": "Calculate how much each of 6 Czech banks will lend (or whether a requested amount gets approved) from household income, expenses, debts and property, using each bank's own credit methodology (DSTI, DTI, LTV, living costs, recognition of self-employed, pension, rental and other income). No personal data needed: ages and amounts only.",
"inputSchema": {
"additionalProperties": true,
"properties": {
"alimony_paid": {
"default": 0,
"description": "Monthly alimony paid, CZK.",
"type": "number"
},
"applicants": {
"description": "1–4 applicants (household members who will be borrowers).",
"items": {
"additionalProperties": true,
"properties": {
"age": {
"description": "Age in years (or year of birth).",
"type": "number"
},
"annual_revenue": {
"description": "Self-employed: annual revenue from the last tax return (row 101/113), CZK.",
"type": "number"
},
"annual_tax_base": {
"description": "Self-employed: annual tax base from the last tax return, CZK.",
"type": "number"
},
"avg_monthly_revenue": {
"description": "income_type=osvc_paus (flat tax): average monthly revenue in CZK. Required for osvc_paus (or annual_revenue, divided by 12).",
"type": "number"
},
"business_industry": {
"default": "jine",
"description": "income_type=osvc_paus: line of business (banks apply industry margins to revenue).",
"enum": [
"it",
"remeslo",
"poradenstvi",
"zdravotnictvi",
"obchod",
"kreativni",
"osobni_sluzby",
"doprava",
"pravo_ucto",
"architektura",
"vzdelavani",
"finance",
"vyroba_gastro",
"provozni_sluzby",
"zemedelstvi",
"reality",
"jine"
],
"type": "string"
},
"contract": {
"description": "Employment contract type.",
"enum": [
"indefinite",
"fixed",
"probation",
"notice"
],
"type": "string"
},
"flat_expense_rate": {
"description": "Self-employed flat-rate expenses as a fraction: 0.4, 0.6 or 0.8.",
"type": "number"
},
"flat_tax_band": {
"description": "income_type=osvc_paus: monthly flat tax actually paid in CZK, or band number 1–3. Omit to derive it from revenue.",
"type": "number"
},
"income_type": {
"default": "employee",
"description": "Main income: employee = employment; osvc_vydpausal = self-employed with flat-rate expenses; osvc_skutecne = self-employed with actual expenses; osvc_paus = flat tax (paušální daň); sro = company owner; rental; dpp/dpc = side contracts; pension; parental = parental allowance; ppm = maternity; dividends; vysluha = service pension.",
"enum": [
"employee",
"osvc_vydpausal",
"osvc_skutecne",
"osvc_paus",
"sro",
"rental",
"dpp",
"dpc",
"pension",
"parental",
"ppm",
"dividends",
"vysluha"
],
"type": "string"
},
"months_employed": {
"description": "Months at current employer (text with a unit like \"2 roky\" or \"18 měsíců\" is accepted).",
"type": "number"
},
"months_in_business": {
"description": "Months in business (self-employed: osvc_paus, osvc_vydpausal, osvc_skutecne). Omit if unknown.",
"type": "number"
},
"net_income": {
"description": "Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base; for osvc_paus (flat tax) avg_monthly_revenue.",
"type": "number"
},
"paid_full_prev_year": {
"default": true,
"description": "income_type=osvc_paus: was in the flat-tax regime for the whole previous year.",
"type": "boolean"
},
"pension_type": {
"description": "For income_type=pension: old-age, disability, widow's, orphan's.",
"enum": [
"starobni",
"invalidni",
"vdovsky",
"sirotci"
],
"type": "string"
},
"residence": {
"default": "cr",
"description": "Residency: Czech, EU/EEA, stable third country, other.",
"enum": [
"cr",
"eu",
"third_stable",
"third_risky"
],
"type": "string"
},
"secondary_income_type": {
"description": "Optional second income of the same applicant (same codes as income_type).",
"type": "string"
},
"secondary_net_income": {
"description": "Net monthly amount of the secondary income, CZK.",
"type": "number"
}
},
"required": [
"age"
],
"type": "object"
},
"maxItems": 4,
"minItems": 1,
"type": "array"
},
"children": {
"default": 0,
"description": "Number of dependent children (counted as 6–15 years old). For precise living costs send children_ages instead.",
"minimum": 0,
"type": "number"
},
"children_ages": {
"description": "Ages of dependent children, e.g. [3, 9]. Overrides children.",
"items": {
"maximum": 26,
"minimum": 0,
"type": "number"
},
"type": "array"
},
"credit_card_limits": {
"default": 0,
"description": "Sum of credit card limits, CZK.",
"type": "number"
},
"existing_debt_balance": {
"default": 0,
"description": "Outstanding principal of all existing loans, CZK (DTI limit).",
"type": "number"
},
"fixation": {
"default": "3R",
"description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan).",
"enum": [
"1R",
"3R",
"5R",
"7R",
"10R"
],
"type": "string"
},
"housing_cost": {
"default": 0,
"description": "Monthly housing cost that continues after the purchase (e.g. rent), CZK.",
"type": "number"
},
"investment": {
"default": false,
"description": "Buy-to-let / third or further residential property (LTV 70 %, DTI 7).",
"type": "boolean"
},
"loan_payments": {
"default": 0,
"description": "Monthly payments of all existing loans and leasing, CZK.",
"type": "number"
},
"married": {
"description": "Applicants are spouses with joint property (SJM).",
"type": "boolean"
},
"overdraft_limits": {
"default": 0,
"description": "Sum of overdraft limits, CZK.",
"type": "number"
},
"own_funds": {
"description": "Own funds / savings in CZK.",
"type": "number"
},
"property_type": {
"description": "Flat, house, cooperative flat, land, recreational, commercial.",
"enum": [
"byt",
"dum",
"coop",
"land",
"rekreacni",
"commercial"
],
"type": "string"
},
"property_value": {
"description": "Property price in CZK. Without it the result is the income-based maximum only.",
"type": "number"
},
"purpose": {
"default": "koupe",
"description": "Purpose: purchase, refinancing, construction, renovation, non-purpose (American mortgage), settlement.",
"enum": [
"koupe",
"refinancovani",
"stavba",
"rekonstrukce",
"neucelova",
"vyporadani"
],
"type": "string"
},
"region": {
"default": "regional",
"description": "Prague, other larger town, small municipality (affects living costs).",
"enum": [
"praha",
"regional",
"small"
],
"type": "string"
},
"requested_loan": {
"description": "Specific loan amount to assess (approved yes/no per bank); needs property_value (or valuation), otherwise only the maximum is returned with an input_warnings note. Omit to get the maximum per bank.",
"type": "number"
},
"term_years": {
"default": 30,
"description": "Repayment term in years (\"30 let\" or \"360 měsíců\" accepted).",
"maximum": 40,
"minimum": 1,
"type": "number"
}
},
"required": [
"applicants"
],
"type": "object"
},
"name": "calculate_max_mortgage",
"outputSchema": null
},
{
"description": "Compare the monthly payment, interest rate, RPSN (APRC), total cost and interest of a given mortgage amount across 6 Czech banks, sorted from cheapest. Applies each bank's LTV and small-loan surcharges and product limits (not creditworthiness). Above 80 % LTV banks lend only if all applicants are under 36 (set all_applicants_under_36). Use for 'which bank is cheapest for X CZK'.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"all_applicants_under_36": {
"default": false,
"description": "True if every applicant is younger than 36. Banks lend above 80 % LTV (up to 90 %) only to applicants under 36 (Czech National Bank limit); UniCredit also waives its 81–90 % LTV surcharge for them.",
"type": "boolean"
},
"fixation": {
"default": "3R",
"description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan).",
"enum": [
"1R",
"3R",
"5R",
"7R",
"10R"
],
"type": "string"
},
"loan_amount": {
"description": "Mortgage amount in CZK.",
"minimum": 100000,
"type": "number"
},
"property_value": {
"description": "Property price or valuation in CZK. Used for LTV surcharges and bank LTV limits. Optional.",
"minimum": 0,
"type": "number"
},
"term_years": {
"default": 30,
"description": "Repayment term in years.",
"maximum": 40,
"minimum": 5,
"type": "number"
}
},
"required": [
"loan_amount"
],
"type": "object"
},
"name": "compare_mortgages",
"outputSchema": null
},
{
"description": "How the user can get a binding assessment and have the mortgage arranged for free by a licensed Czech mortgage intermediary (Rychlá Hypo). Returns phone, e-mail and links.",
"inputSchema": {
"additionalProperties": false,
"properties": {},
"type": "object"
},
"name": "get_advisor_contact",
"outputSchema": null
},
{
"description": "Current published mortgage rates of 6 major Czech banks (Česká spořitelna, ČSOB, Komerční banka, UniCredit Bank, Raiffeisenbank, mBank) by fixation period, with LTV surcharges, limits and fees. Source: Rychlá Hypo (rychlahypo.cz), rates verified in the banks' calculators.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"fixation": {
"default": "3R",
"description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan).",
"enum": [
"1R",
"3R",
"5R",
"7R",
"10R"
],
"type": "string"
}
},
"type": "object"
},
"name": "get_mortgage_rates",
"outputSchema": null
}
]
}Verify it yourself
curl -s https://api.teppi.xyz/v1/evidence/sha256:7ccefdfb20d99a3576027702b8ed6936a43d8a9d00dca74d614051fd7ce7822a | sha256sum