AVnester — Indian Real Estate Intelligence
REMOTE · MCP.AVNESTER.COM · SCANNED AUG 3
Indian real estate: property search, locality insights, affordability & pan-India stamp-duty tools.
Available components
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score →
Endpoint Security80
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability38
- 0% of prompts and resources have a non-trivial description (not blank, and not just the item's name).Fail
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 3731 tokens (~287/item across 13 items; 11 tools + 2 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management27
- Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
- Structured output schemas are declared (100% of tools); any adoption earns full credit.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
- Supports UI / widget rendering.Pass
Add this component to your MCP client. Where a client-specific snippet is available, pick your client below and copy it straight into your config; otherwise use the connection detail shown.
remote · mcp.avnester.com
claude mcp add --transport http com-avnester-mcp-property-intelligence https://mcp.avnester.com/public-mcp
[mcp_servers.com-avnester-mcp-property-intelligence] url = "https://mcp.avnester.com/public-mcp"
{
"$schema": "https://opencode.ai/config.json",
"mcp": {
"com-avnester-mcp-property-intelligence": {
"type": "remote",
"url": "https://mcp.avnester.com/public-mcp",
"enabled": true
}
}
} openclaw mcp add com-avnester-mcp-property-intelligence --url https://mcp.avnester.com/public-mcp --transport streamable-http
mcp_servers:
com-avnester-mcp-property-intelligence:
url: "https://mcp.avnester.com/public-mcp" {
"mcpServers": {
"com-avnester-mcp-property-intelligence": {
"type": "http",
"url": "https://mcp.avnester.com/public-mcp"
}
}
} The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 3 Aug 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.
- 1 Aug 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.
- 31 Jul 26 +5
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 30 Jul 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 29 Jul 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.
- 28 Jul 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.
- 27 Jul 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 26 Jul 26 60
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 3 Aug 2026 · Probed https://mcp.avnester.com/public-mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=avnester.com | CN=Amazon RSA 2048 M04,O=Amazon,C=US | 29 Apr 2026 | 12 Nov 2026 | RSA 2048 | SHA256-RSA | 876b9fd9db35ac0f3022d9dd918b9ab |
| SANs: avnester.com, *.avnester.com | ||||||
| CN=Amazon RSA 2048 M04,O=Amazon,C=US (CA) | CN=Amazon Root CA 1,O=Amazon,C=US | 23 Aug 2022 | 23 Aug 2030 | RSA 2048 | SHA256-RSA | 773124f2a952e3ed18a58bdb85d1bc0ce5f27 |
| CN=Amazon Root CA 1,O=Amazon,C=US (CA) | CN=Starfield Services Root Certificate Authority - G2,O=Starfield Technologies\, Inc.,L=Scottsdale,ST=Arizona,C=US | 25 May 2015 | 31 Dec 2037 | RSA 2048 | SHA256-RSA | 67f944a2a27cdf3fac2ae2b01f908eeb9c4c6 |
DNSSEC insecure
Validation of mcp.avnester.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| com. | present | 19718 | 13 | Verified |
| avnester.com. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=31536000; includeSubDomains |
| content-security-policy | default-src 'none';frame-ancestors 'none';base-uri 'none';form-action 'none';connect-src 'self' |
| x-content-type-options | nosniff |
| x-frame-options | SAMEORIGIN |
| referrer-policy | no-referrer |
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://mcp.avnester.com/public-mcp | Verified | 200 | |
| http (plaintext) | http://mcp.avnester.com/public-mcp | HTTPS enforced | 301 | https://mcp.avnester.com:443/public-mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability.
calculate_home_affordability Estimate home-loan EMI (calculator) ~237
Estimate the monthly home-loan EMI / monthly payment in India — a home-loan calculator. Deterministic math; not advice or a loan-approval claim. Two modes: pass propertyValue (80% LTV assumed) OR loanAmount for a specific loan (e.g. "₹50 lakh loan"). Use for "what would my EMI be" / "monthly payment on …". The response `assumptionNote` states the basis in plain words. Always surface the disclaimer field.
| Name | Type | Req | Description |
|---|---|---|---|
| interestRatePercent | number | — | Annual interest rate (percent). Defaults to current market estimate. |
| loanAmount | integer | — | Loan amount in INR. Pass this when the user states a specific loan (e.g. "₹50 lakh loan") rather than a property price. Defaults to 80% of propertyValue if omitted. |
| propertyValue | integer | yes | Property value (price) in INR. When the user states a property/home price, put it here — an 80% loan is assumed unless loanAmount is also given. |
| tenureYears | integer | — | Loan tenure in years. Defaults to 20. |
| Name | Type | Req | Description |
|---|---|---|---|
| assumptionNote | string | yes | — |
| assumptions | object | yes | — |
| attribution | — | yes | — |
| cards | array | yes | — |
| disclaimer | string | yes | — |
| emi | integer | yes | — |
| inputPropertyValue | integer | yes | — |
| interestRatePercent | number | yes | — |
| loanAmount | integer | yes | — |
| tenureYears | integer | yes | — |
| totalInterest | integer | yes | — |
| totalPayment | integer | yes | — |
No examples provided.
compare_balance_transfer Compare home-loan balance transfer (calculator) ~199
Compare staying on your current home loan vs. transferring (refinancing) to a lower rate. Pure deterministic math — no advice, no loan-approval claim. Use when the user asks "should I switch lenders / transfer my loan / refinance". Returns new EMI, interest saved over the remaining tenure, switching cost, net saving, and the breakeven month. Always surface the disclaimer field.
| Name | Type | Req | Description |
|---|---|---|---|
| currentRatePercent | number | yes | Current annual interest rate (percent). |
| flatCosts | integer | — | Flat legal + valuation charges in INR. Defaults to ₹12,500. |
| newRatePercent | number | yes | New lender annual interest rate (percent). |
| outstandingPrincipal | integer | yes | Current outstanding home-loan principal in INR. |
| processingFeePct | number | — | New-lender processing fee on the balance (percent). Defaults to 0.5%. |
| remainingTenureYears | integer | yes | Years left on the loan. |
| Name | Type | Req | Description |
|---|---|---|---|
| assumptions | object | yes | — |
| attribution | — | yes | — |
| breakevenMonths | integer|null | yes | — |
| cards | array | yes | — |
| currentEmi | integer | yes | — |
| currentRatePercent | number | yes | — |
| currentTotalInterest | integer | yes | — |
| disclaimer | string | yes | — |
| grossInterestSaved | integer | yes | — |
| monthlyEmiSaving | integer | yes | — |
| netSaving | integer | yes | — |
| newEmi | integer | yes | — |
| newRatePercent | number | yes | — |
| newTotalInterest | integer | yes | — |
| outstandingPrincipal | integer | yes | — |
| remainingTenureYears | integer | yes | — |
| switchingCost | integer | yes | — |
| worthIt | boolean | yes | — |
No examples provided.
compare_localities Compare Indian localities head-to-head ~147
Compare 2–3 Coimbatore localities side-by-side: price trends, livability, investment grade, strengths, and watchouts. Use when the user asks "X vs Y" or "which is better between X and Y for buying/renting" about Coimbatore neighborhoods. Out-of-scope cities return supported=false; surface the scopeMessage to the user. For comparing specific LISTINGS by ID, use compare_properties instead.
| Name | Type | Req | Description |
|---|---|---|---|
| city | string | yes | Indian city covering all compared localities. |
| localities | array | yes | 2–3 localities to compare (array, not comma-separated string). |
| propertyType | string | — | Property type for comparison. |
| Name | Type | Req | Description |
|---|---|---|---|
| attribution | — | yes | — |
| cards | array | yes | — |
| city | string | yes | — |
| comparison | object | yes | — |
| disclaimer | string | yes | — |
| handoffUrl | string | yes | — |
| localities | array | yes | — |
| scopeMessage | string | — | — |
| supported | boolean | yes | — |
| supportedCities | array | — | — |
No examples provided.
compare_properties Compare AVnester properties (trade-offs) ~168
Compare 2–5 AVnester listings by listingId, side-by-side. Get IDs from search_properties first (not guessable). If the user has more than 5 candidates ("compare all"), pick the most relevant 5 (cheapest / largest / best price-per-sqft) and say so. Returns each listing plus pricePerSqft, vsCheapestPercent (0 = cheapest), vsLargestAreaPercent (0 = largest). Coimbatore-only; unknown IDs return not_found_or_unpublished. Does NOT recommend a purchase. Always surface the disclaimer field.
| Name | Type | Req | Description |
|---|---|---|---|
| listingIds | array | yes | 2–5 AVnester listingIds (from search_properties results) to compare. IDs are not guessable — call search_properties first. Order is preserved in the output. |
| Name | Type | Req | Description |
|---|---|---|---|
| attribution | — | yes | — |
| cards | array | yes | — |
| comparison | array | yes | — |
| disclaimer | string | yes | — |
| framing | string | yes | — |
| message | string | — | — |
No examples provided.
estimate_stamp_duty_and_registration Estimate stamp duty + registration (calculator) ~354
Estimate Indian state stamp duty + registration charges on a property purchase. Supports all 28 states + 8 UTs with buyer-gender concessions, urban/rural overrides, and commercial/agricultural multipliers. Pass constructionStatus to also itemize GST (under-construction 1%/5%, ready/resale 0%) for an all-in statutory quote. Returns supported=false for states outside India (supported set named in rateBasis). Not legal/tax advice. Always surface the disclaimer.
| Name | Type | Req | Description |
|---|---|---|---|
| buyerGender | string | — | Buyer gender — overrides isWomanBuyer when set. "joint" = man+woman jointly owned. |
| carpetAreaSqft | integer | — | Carpet area (sqft) — with value, decides the affordable-housing 1% GST slab. |
| constructionStatus | string | — | When set, also itemizes GST: under-construction = 1% (affordable) / 5%; ready/resale = 0%. Omit → GST not computed. |
| isUrban | boolean | — | Whether property is in an urban/metro area — gates metro-cess surcharges (e.g., Mumbai LBT, BBMP cess). |
| isWomanBuyer | boolean | — | Backward-compatibility shim — prefer buyerGender. When true, internally treated as buyerGender="female". |
| propertyType | string | — | Property type — applies state-specific multiplier (commercial/agricultural). |
| propertyValue | integer | yes | Sale value in INR for stamp-duty calculation. |
| state | string | — | Indian state — accepts ISO code ("MH"), URL slug ("maharashtra"), or display name ("Maharashtra"). All 28 states + 8 UTs supported. |
| Name | Type | Req | Description |
|---|---|---|---|
| attribution | — | yes | — |
| cards | array | yes | — |
| disclaimer | string | yes | — |
| gst | object | — | — |
| propertyValue | integer | yes | — |
| rateBasis | string | yes | — |
| rateEffectiveDate | string | yes | — |
| registrationFee | integer | yes | — |
| stampDuty | integer | yes | — |
| state | string | yes | — |
| supported | boolean | yes | — |
| total | integer | yes | — |
| totalWithGst | integer | — | — |
No examples provided.
get_locality_insights Get locality market insights ~127
Get aggregated insights for a Coimbatore locality: avg price, supply count, demand pulse, livability/investment grade, highlights, watchouts, 12-month priceTrends, and strengthTags. Use when the user asks "what is X locality like" about a Coimbatore neighborhood. Out-of-scope cities return supported=false; surface the scopeMessage to the user. Always surface the disclaimer field when returning livability or investment grade.
| Name | Type | Req | Description |
|---|---|---|---|
| city | string | yes | Indian city (required). |
| locality | string | yes | Locality name within an Indian city. |
| Name | Type | Req | Description |
|---|---|---|---|
| attribution | — | yes | — |
| cards | array | yes | — |
| city | string | yes | — |
| disclaimer | string | yes | — |
| freshness | object | yes | — |
| handoffUrl | string | yes | — |
| insights | object | yes | — |
| locality | string | yes | — |
| message | string | — | — |
| scopeMessage | string | — | — |
| supported | boolean | yes | — |
| supportedCities | array | — | — |
No examples provided.
get_property_decision_intelligence Home purchase decision intelligence ~630
Assess whether a buyer can afford a specific Indian home — ONE verdict (AFFORDABLE / STRETCH / NOT_YET / INELIGIBLE) combining indicative eligibility (FOIR/LTV/CIBIL), EMI, true cash-to-close (down payment + stamp duty + registration + itemized GST), regime-aware tax, and an indicative lender-fit triage. Mode A: listingId (Coimbatore catalog). Mode B: propertyValue + state (any Indian state). NOT a loan approval, offer, or advice. Always surface the disclaimer.
| Name | Type | Req | Description |
|---|---|---|---|
| annualIncomeForTax | integer | — | Annual income for tax. Defaults to monthlyNetIncome × 12. |
| annualRent | integer | — | Annual rent received (let-out). |
| assetType | string | — | "home" (flat/villa/house) or "plot" (bare land); manual mode only. Plot → shorter tenure, no home-loan tax benefit. |
| buyerGender | string | — | Buyer gender — affects stamp duty in states with a women concession. |
| carpetAreaSqft | integer | — | Carpet area (sqft) — sharpens the affordable-housing GST test (with the ₹45L value cap). |
| cibilScore | integer | — | Numeric CIBIL score. Omit → eligibility stays indicative. |
| coApplicantMonthlyIncome | integer | — | Co-applicant monthly income (joint affordability). |
| employmentType | string | — | Employment type (affects tax standard deduction). |
| existingMonthlyEmis | integer | — | Existing monthly loan EMIs in ₹ (car/personal/cards). Omitted → assumed ₹0, which can inflate eligibility and flip the verdict — ask the buyer. |
| interestRatePercent | number | — | Override annual interest rate. Defaults to indicative market rate. |
| isUnderConstruction | boolean | — | Under-construction → GST applies; ready-to-move → no GST. Omitted → ready-to-move (no GST). |
| isUrban | boolean | — | Urban/metro — gates metro-cess surcharges in stamp duty. |
| jointLoan | boolean | — | Joint home loan — doubles 80C/24b caps (equal split). |
| listingId | string | — | AVnester listingId (Coimbatore catalog). Listing mode — do NOT also pass propertyValue (rejected) or state (ignored). |
| monthlyNetIncome | integer | yes | Buyer monthly take-home income in INR. |
| occupancyIntent | string | — | Self-occupied vs let-out — changes §24(b) interest treatment. Omitted → self-occupied. |
| propertyValue | integer | — | Property price in INR (manual mode). Pass with state; not with listingId. |
| residencyStatus | string | — | Residency status. |
| savingsAvailable | integer | — | Liquid cash for down payment + charges — enables the cash-gap calc. |
| state | string | — | Indian state (ISO "MH"/slug/name) for stamp duty. Required in manual mode; ignored in listing mode. |
| tenureYears | integer | — | Loan tenure in years. Defaults to 20. |
| Name | Type | Req | Description |
|---|---|---|---|
| affordability | object | — | — |
| assetType | string | — | — |
| assumptions | object | — | — |
| attribution | — | yes | — |
| cards | array | yes | — |
| disclaimer | string | yes | — |
| eligibility | object | — | — |
| emi | object | — | — |
| lenderFit | object | — | — |
| mode | string | — | — |
| notFound | boolean | — | — |
| stampDutySupported | boolean | — | — |
| tax | object | — | — |
| trust | object | — | — |
| verdict | object | — | — |
| warnings | array | — | — |
No examples provided.
get_property_details Get one AVnester property by ID ~160
Fetch full public details for one AVnester listing by its listingId. Get the listingId from search_properties results first (the `listingId` field) — IDs are not guessable, so this tool is the natural follow-up to a search. AVnester's catalog is currently Coimbatore-only; unknown or unpublished IDs return { listing: null, notFound: true } (never throws, to avoid leaking existence). Use when the user references a specific listing. Read-only, no side effects.
| Name | Type | Req | Description |
|---|---|---|---|
| listingId | string | yes | AVnester listingId, as returned in search_properties results (the `listingId` field). IDs are not guessable — call search_properties first. Also the trailing segment of a listing sourceUrl. |
| Name | Type | Req | Description |
|---|---|---|---|
| attribution | — | yes | — |
| cards | array | yes | — |
| disclaimer | string | yes | — |
| handoffUrl | string | — | — |
| listing | object|null | yes | — |
| message | string | — | — |
| notFound | boolean | yes | — |
| trust | object | — | — |
No examples provided.
optimize_home_loan_tax_regime Optimize home-loan tax regime (calculator) ~609
Compare a home-loan borrower's income tax under the OLD vs NEW regime (FY2026-27) and recommend which regime saves more income tax. Pure deterministic slab math — not tax advice. Use when the user asks "old or new tax regime", "home-loan tax benefit", or "section 80C / 24(b) deduction". Models §24(b) interest + §80C principal (+ joint-loan doubling); the response lists benefits it does NOT model (capital gains, HRA, etc.). Always surface the disclaimer field.
| Name | Type | Req | Description |
|---|---|---|---|
| ageBand | string | — | Taxpayer age band — raises the OLD-regime basic exemption (senior 60–80 → ₹3L, super-senior 80+ → ₹5L). New regime unaffected. Defaults to below60. |
| annualIncome | integer | yes | Annual gross income in INR EXCLUDING house property (salary + other income). |
| annualRent | integer | — | Annual rent received in INR — required for let_out. |
| countryOfResidence | string | — | NRI only — DTAA article lookup hint. Free-form country name. |
| hasForm15CB | boolean | — | NRI only — whether Form 15CB CA-attestation is already in hand. |
| holdingMonths | integer | — | NRI only — holding period in months. ≤24 is STCG; >24 is LTCG. |
| homeLoanInterest | integer | yes | Annual home-loan interest paid (INR). |
| homeLoanPrincipal | integer | yes | Annual home-loan principal repaid (INR) — counts toward 80C. |
| indexedCost | integer | — | NRI only — indexed cost of acquisition (LTCG). When omitted, TDS computed on full sale value. |
| isSalaried | boolean | — | Whether the taxpayer is salaried (gets the standard deduction). |
| jointLoan | boolean | — | Joint loan with a co-borrower — doubles the 80C/24b caps (equal-split assumption). |
| nroBalanceUsd | number | — | NRI only — NRO account balance in USD equivalent for the repatriation cap math. |
| other80C | integer | — | Other 80C investments in INR (PF, ELSS, insurance, etc.). |
| otherOldRegimeDeductions | integer | — | Other OLD-regime-only deductions as a lump (HRA exemption, 80D, NPS 80CCD(1B), etc.). |
| propertyType | string | — | Whether the property is self-occupied or let out. |
| residencyStatus | string | — | Default resident. Pass nri to get §195 TDS + LRS-cap math in the response. |
| saleValue | integer | — | NRI only — sale consideration in INR for §195 TDS computation. |
| ytdRemittedUsd | number | — | NRI only — FY-to-date USD already remitted under the $1M cap. |
| Name | Type | Req | Description |
|---|---|---|---|
| annualIncome | integer | yes | — |
| annualSaving | integer | yes | — |
| assumptions | object | yes | — |
| attribution | — | yes | — |
| cards | array | yes | — |
| disclaimer | string | yes | — |
| homeLoanTaxBenefitOld | integer | yes | — |
| jointLoan | boolean | yes | — |
| new | object | yes | — |
| notModeled | array | yes | — |
| nri | object | — | — |
| old | object | yes | — |
| propertyType | string | yes | — |
| recommended | string | yes | — |
| residencyStatus | — | — | — |
No examples provided.
search_properties Search India property listings ~233
Search residential property listings in Coimbatore, Tamil Nadu. Use when the user names a Coimbatore locality, price band, BHK, or transaction type. Returns sanitized listing cards with handoff URLs and a per-listing verified flag; never returns seller contact details. Out-of-scope cities return supported=false + supportedCities + scopeMessage — surface the scopeMessage to the user.
| Name | Type | Req | Description |
|---|---|---|---|
| bedrooms | integer | — | Number of bedrooms (BHK). |
| city | string | — | Indian city name (e.g., "Bangalore", "Coimbatore"). Required for results. |
| furnishing | string | — | Furnishing status (rental queries). |
| limit | integer | — | Maximum number of listings to return (cap: 20). v1 abuse defense. |
| locality | string | — | Locality/neighborhood within the city (e.g., "Indiranagar"). |
| maxPrice | integer | — | Maximum price in INR. |
| minPrice | integer | — | Minimum price in INR. |
| propertyType | string | — | Property type. |
| transactionType | string | — | Whether to search for sale or rent. |
| Name | Type | Req | Description |
|---|---|---|---|
| attribution | — | yes | — |
| disclaimer | string | yes | — |
| handoffUrl | string | yes | — |
| listings | array | yes | — |
| message | string | — | — |
| scopeMessage | string | — | — |
| sortBy | string | — | — |
| supported | boolean | yes | — |
| supportedCities | array | — | — |
| total | integer | yes | — |
No examples provided.
simulate_loan_prepayment Simulate home-loan prepayment (calculator) ~336
Simulate prepaying / repaying an Indian home loan early. Pure deterministic math — no advice, no loan-approval claim. Use for "should I prepay", "early/part/lump-sum repayment", "pay extra each month", "reduce EMI or tenure", "interest saved", or foreclosure. Modes: one-time, recurring yearly, or a fixed extra every month (recurring_monthly). Compares reduce_tenure (keep EMI, finish early) vs reduce_emi (keep tenure, lower EMI). Always surface the disclaimer field.
| Name | Type | Req | Description |
|---|---|---|---|
| annualRatePercent | number | — | Current annual interest rate (percent). Defaults to the indicative market rate when omitted. |
| outstandingPrincipal | integer | yes | Current outstanding home-loan principal in INR. |
| prepaymentAmount | integer | — | One-time lump-sum prepayment in INR (one_time / one_time_plus_recurring* modes). |
| prepaymentMode | string | — | How the prepayment is made (annual anniversary vs every month). |
| recurringAnnualAmount | integer | — | Recurring yearly prepayment in INR (recurring_annual / one_time_plus_recurring modes). |
| recurringMonthlyAmount | integer | — | Fixed extra paid toward principal EVERY month on top of the EMI (recurring_monthly / one_time_plus_recurring_monthly modes). |
| remainingTenureYears | integer | yes | Years left on the loan at the current EMI. |
| strategy | string | — | reduce_tenure keeps the EMI and finishes early (bigger saving); reduce_emi keeps the tenure and lowers the EMI; compare_both returns both. |
| Name | Type | Req | Description |
|---|---|---|---|
| annualRatePercent | number | yes | — |
| applied | object | yes | — |
| assumptions | object | yes | — |
| attribution | — | yes | — |
| baseline | object | yes | — |
| cards | array | yes | — |
| disclaimer | string | yes | — |
| outstandingPrincipal | integer | yes | — |
| prepaymentMode | string | yes | — |
| reduceEmi | object | — | — |
| reduceTenure | object | — | — |
| remainingTenureYears | integer | yes | — |
| strategy | string | yes | — |
No examples provided.