# Rychlá Hypo – Czech mortgages (remote · rychlahypo.cz)

Czech mortgage rates, payment comparison and max loan per bank for 6 major Czech banks.

- Trust score: 70/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-28

## Components

- remote · `rychlahypo.cz`: 70/100 (this document), [markdown](https://verifymcp.io/servers/cz-rychlahypo-mortgages/rychlahypo.md), [page](https://verifymcp.io/servers/cz-rychlahypo-mortgages/rychlahypo)

## Channel facts

- Endpoint: `https://rychlahypo.cz/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.1`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-09-28.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 65/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1014 tokens (~253/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 3/100
  - Stability observed for 1 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 99/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 96% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 60/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.

## Install

### How do I install the Rychlá Hypo – Czech mortgages MCP server?

Rychlá Hypo – Czech mortgages is a hosted endpoint at https://rychlahypo.cz/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http cz-rychlahypo-mortgages 'https://rychlahypo.cz/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "cz-rychlahypo-mortgages": {
      "url": "https://rychlahypo.cz/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "cz-rychlahypo-mortgages": {
      "type": "http",
      "url": "https://rychlahypo.cz/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.cz-rychlahypo-mortgages]
url = "https://rychlahypo.cz/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "cz-rychlahypo-mortgages": {
      "type": "remote",
      "url": "https://rychlahypo.cz/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add cz-rychlahypo-mortgages --url 'https://rychlahypo.cz/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  cz-rychlahypo-mortgages:
    url: "https://rychlahypo.cz/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "cz-rychlahypo-mortgages": {
      "Transport": "http",
      "Url": "https://rychlahypo.cz/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add cz-rychlahypo-mortgages -t streamable-http -u 'https://rychlahypo.cz/mcp'
```

### Other

```json
{
  "mcpServers": {
    "cz-rychlahypo-mortgages": {
      "type": "http",
      "url": "https://rychlahypo.cz/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-09-28 (score 70, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-09-27 (score 70)

First indexed and scored.

## MCP tools (4)

### `get_mortgage_rates` (~134 tokens)

Aktuální sazby hypoték 6 bank

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.

Input parameters:

- `fixation` (string): Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too.

### `compare_mortgages` (~210 tokens)

Srovnání splátek hypotéky u 6 bank

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 limits. Use for 'which bank is cheapest for X CZK'.

Input parameters:

- `all_applicants_under_36` (boolean): True if every applicant is younger than 36 (UniCredit waives the 81–90 % LTV surcharge).
- `fixation` (string): Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too.
- `loan_amount` (number, required): Mortgage amount in CZK.
- `property_value` (number): Property price or valuation in CZK. Used for LTV surcharges and bank LTV limits. Optional.
- `term_years` (number): Repayment term in years.

### `calculate_max_mortgage` (~507 tokens)

Kolik mi která banka půjčí

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.

Input parameters:

- `alimony_paid` (number): Monthly alimony paid, CZK.
- `applicants` (array, required): 1–4 applicants (household members who will be borrowers).
- `children` (number): Number of dependent children (counted as 6–15 years old). For precise living costs send children_ages instead.
- `children_ages` (array): Ages of dependent children, e.g. [3, 9]. Overrides children.
- `credit_card_limits` (number): Sum of credit card limits, CZK.
- `existing_debt_balance` (number): Outstanding principal of all existing loans, CZK (DTI limit).
- `fixation` (string): Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too.
- `housing_cost` (number): Monthly housing cost that continues after the purchase (e.g. rent), CZK.
- `investment` (boolean): Buy-to-let / third or further residential property (LTV 70 %, DTI 7).
- `loan_payments` (number): Monthly payments of all existing loans and leasing, CZK.
- `married` (boolean): Applicants are spouses with joint property (SJM).
- `overdraft_limits` (number): Sum of overdraft limits, CZK.
- `own_funds` (number): Own funds / savings in CZK.
- `property_type` (string): Flat, house, cooperative flat, land, recreational, commercial.
- `property_value` (number): Property price in CZK. Without it the result is the income-based maximum only.
- `purpose` (string): Purpose: purchase, refinancing, construction, renovation, non-purpose (American mortgage), settlement.
- `region` (string): Prague, other larger town, small municipality (affects living costs).
- `requested_loan` (number): Specific loan amount to assess (approved yes/no per bank). Omit to get the maximum per bank.
- `term_years` (number)

### `get_advisor_contact` (~46 tokens)

Kontakt na hypotečního specialistu

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.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/cz-rychlahypo-mortgages/rychlahypo#diagnostics

## Score history

- 2026-09-28: 70
- 2026-09-27: 70

## Common questions

### What is the Rychlá Hypo – Czech mortgages MCP server?

Rychlá Hypo – Czech mortgages is an MCP server listed in the public MCP registry as cz.rychlahypo/mortgages. Czech mortgage rates, payment comparison and max loan per bank for 6 major Czech banks. This page covers its hosted endpoint (https://rychlahypo.cz/mcp).

### Is the Rychlá Hypo – Czech mortgages MCP server safe to use?

Rychlá Hypo – Czech mortgages scores 70 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Rychlá Hypo – Czech mortgages MCP server expose?

Rychlá Hypo – Czech mortgages exposes 4 tools: get_mortgage_rates, compare_mortgages, calculate_max_mortgage, get_advisor_contact. Their descriptions and schemas cost roughly 897 tokens of context every time the server is loaded.

### Does the Rychlá Hypo – Czech mortgages MCP server require authentication?

No. We connected to Rychlá Hypo – Czech mortgages without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Rychlá Hypo – Czech mortgages MCP server still maintained?

Rychlá Hypo – Czech mortgages is still listed as active in the MCP registry. We last reached this channel on 28 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://rychlahypo.cz/mcp
- Repository: https://github.com/emil-asistent/rychlahypo-mcp
- Website: https://rychlahypo.cz/api-dokumentace
- Changelog RSS feed: https://verifymcp.io/servers/cz-rychlahypo-mortgages/rychlahypo.xml
- Changelog JSON feed: https://verifymcp.io/servers/cz-rychlahypo-mortgages/rychlahypo.json
- HTML version of this page: https://verifymcp.io/servers/cz-rychlahypo-mortgages/rychlahypo