Capucine — ScoreCredit
French mortgage tools: HCSF capacity, dated rates, usury caps, ORIAS 26000195.
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Calidad y seguridad
Hallazgos (4)
- LOWTool 'taux_immobilier_jour' description lacks action verben taux_immobilier_jour
- LOWTool 'identite_cabinet' description lacks action verben identite_cabinet
- LOWTool 'simulation_financement_complet' description lacks action verben simulation_financement_complet
- LOWTool 'comparer_scenarios_financement' description lacks action verben comparer_scenarios_financement
Basado en el análisis automatizado de las definiciones de herramientas y el cumplimiento del protocolo.
Costo de contexto
Este es el número aproximado de tokens que se consumen cada vez que las herramientas del servidor se cargan en el contexto de un modelo. Los recuentos más altos reducen la atención disponible para otras tareas.
Instalar
Instalación con un clic
Agrega esto a tu archivo `claude_desktop_config.json`:
{
"mcpServers": {
"capucine": {
"url": "https://scorecredit.fr/mcp/sse"
}
}
}Puntos de conexión remotos
https://scorecredit.fr/mcp/ssessehttps://scorecredit.fr/mcpstreamable-httpQué puede hacer
Inventario de herramientas
Herramientas (13)
🟢taux_immobilier_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.
Esquema de entrada
{
"type": "object",
"properties": {},
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"taux_reperes_pct": {
"type": "object"
},
"source_principale": {
"type": "string"
},
"date_verification": {
"type": "string"
},
"prochaine_etape": {
"type": "object"
},
"cadre": {
"type": "string"
},
"note": {
"type": "string"
}
},
"additionalProperties": true
}🟢taux_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.
Esquema de entrada
{
"type": "object",
"properties": {},
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"periode": {
"type": "string"
},
"plafonds_taeg_pct": {
"type": "object"
},
"source": {
"type": "string"
},
"prochaine_etape": {
"type": "object"
},
"cadre": {
"type": "string"
},
"note": {
"type": "string"
}
},
"additionalProperties": true
}🟢identite_cabinet
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).
Esquema de entrada
{
"type": "object",
"properties": {},
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"raison_sociale": {
"type": "string"
},
"orias": {
"type": "string"
},
"siren": {
"type": "string"
},
"prochaine_etape": {
"type": "object"
},
"cadre": {
"type": "string"
},
"note": {
"type": "string"
}
},
"additionalProperties": true
}🟢radar_banques(situation, region, locatif, exigences)
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.
Esquema de entrada
{
"type": "object",
"properties": {
"situation": {
"type": "string",
"enum": [
"salarie",
"tns",
"independant",
"chef_entreprise",
"fonctionnaire",
"non_resident"
]
},
"region": {
"type": "string"
},
"locatif": {
"type": "boolean"
},
"exigences": {
"type": "array",
"items": {
"type": "string"
}
}
},
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"ok": {
"type": "boolean"
},
"prochaine_etape": {
"type": "object"
},
"cadre": {
"type": "string"
},
"note": {
"type": "string"
}
},
"additionalProperties": true
}🟢capacite_emprunt_express(revenus_mensuels_nets, charges_credits_mensuelles, duree_annees)
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.
Esquema de entrada
{
"type": "object",
"properties": {
"revenus_mensuels_nets": {
"type": "number",
"minimum": 0
},
"charges_credits_mensuelles": {
"type": "number",
"minimum": 0
},
"duree_annees": {
"type": "integer",
"enum": [
15,
20,
25
]
}
},
"required": [
"revenus_mensuels_nets"
],
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"mensualite_max_eur": {
"type": "number"
},
"capital_empruntable_eur": {
"type": "number"
},
"taux_retenu_pct": {
"type": "number"
},
"prochaine_etape": {
"type": "object"
},
"cadre": {
"type": "string"
},
"note": {
"type": "string"
}
},
"additionalProperties": true
}🟢economie_assurance_express(capital_restant_eur, taux_assurance_actuel_pct, duree_restante_annees)
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.
Esquema de entrada
{
"type": "object",
"properties": {
"capital_restant_eur": {
"type": "number",
"minimum": 0
},
"taux_assurance_actuel_pct": {
"type": "number",
"minimum": 0
},
"duree_restante_annees": {
"type": "number",
"minimum": 0
}
},
"required": [
"capital_restant_eur",
"taux_assurance_actuel_pct",
"duree_restante_annees"
],
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"economie_mensuelle_eur": {
"type": "number"
},
"economie_totale_eur": {
"type": "number"
},
"prochaine_etape": {
"type": "object"
},
"cadre": {
"type": "string"
},
"note": {
"type": "string"
}
},
"additionalProperties": true
}🟢diagnostic_credit_express(revenus_mensuels_nets, charges_credits_mensuelles, apport_eur, prix_bien_eur, duree_annees, ...)
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.
Esquema de entrada
{
"type": "object",
"properties": {
"revenus_mensuels_nets": {
"type": "number",
"minimum": 0
},
"charges_credits_mensuelles": {
"type": "number",
"minimum": 0
},
"apport_eur": {
"type": "number",
"minimum": 0
},
"prix_bien_eur": {
"type": "number",
"minimum": 0
},
"duree_annees": {
"type": "integer",
"enum": [
15,
20,
25
]
},
"situation": {
"type": "string",
"enum": [
"salarie",
"tns",
"independant",
"chef_entreprise",
"fonctionnaire",
"non_resident"
]
},
"region": {
"type": "string"
},
"locatif": {
"type": "boolean"
},
"exigences": {
"type": "array",
"items": {
"type": "string"
}
}
},
"required": [
"revenus_mensuels_nets"
],
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"diagnostic": {
"type": "string",
"enum": [
"vert",
"orange",
"rouge"
]
},
"taux_endettement_estime_pct": {
"type": "number"
},
"reste_a_vivre_estime_eur": {
"type": "number"
},
"prochaine_etape": {
"type": "object"
},
"cadre": {
"type": "string"
},
"note": {
"type": "string"
}
},
"additionalProperties": true
}🟢plan_action_financement(revenus_mensuels_nets, charges_credits_mensuelles, apport_eur, prix_bien_eur, situation, ...)
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.
Esquema de entrada
{
"type": "object",
"properties": {
"revenus_mensuels_nets": {
"type": "number",
"minimum": 0
},
"charges_credits_mensuelles": {
"type": "number",
"minimum": 0
},
"apport_eur": {
"type": "number",
"minimum": 0
},
"prix_bien_eur": {
"type": "number",
"minimum": 0
},
"situation": {
"type": "string",
"enum": [
"salarie",
"tns",
"independant",
"chef_entreprise",
"fonctionnaire",
"non_resident"
]
},
"projet": {
"type": "string"
},
"delai_signature_jours": {
"type": "integer",
"minimum": 1
}
},
"required": [
"revenus_mensuels_nets"
],
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"priorites": {
"type": "array",
"items": {
"type": "string"
}
},
"calendrier": {
"type": "array"
},
"prochaine_etape": {
"type": "object"
},
"cadre": {
"type": "string"
},
"note": {
"type": "string"
}
},
"additionalProperties": true
}🟢simulation_financement_complet(prix_bien_eur, apport_eur, revenus_mensuels_nets, charges_credits_mensuelles, duree_annees, ...)
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.
Esquema de entrada
{
"type": "object",
"properties": {
"prix_bien_eur": {
"type": "number",
"minimum": 0
},
"apport_eur": {
"type": "number",
"minimum": 0
},
"revenus_mensuels_nets": {
"type": "number",
"minimum": 0
},
"charges_credits_mensuelles": {
"type": "number",
"minimum": 0
},
"duree_annees": {
"type": "integer",
"enum": [
15,
20,
25
]
},
"type_bien": {
"type": "string",
"enum": [
"ancien",
"neuf",
"vefa"
]
},
"taux_assurance_actuel_pct": {
"type": "number",
"minimum": 0
}
},
"required": [
"prix_bien_eur",
"apport_eur",
"revenus_mensuels_nets"
],
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"besoin_credit_estime_eur": {
"type": "number"
},
"mensualite_totale_estimee_eur": {
"type": "number"
},
"diagnostic": {
"type": "string"
},
"prochaine_etape": {
"type": "object"
},
"cadre": {
"type": "string"
},
"note": {
"type": "string"
}
},
"additionalProperties": true
}🟢comparer_scenarios_financement(prix_bien_eur, apport_eur, revenus_mensuels_nets, charges_credits_mensuelles, type_bien, ...)
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.
Esquema de entrada
{
"type": "object",
"properties": {
"prix_bien_eur": {
"type": "number",
"minimum": 0
},
"apport_eur": {
"type": "number",
"minimum": 0
},
"revenus_mensuels_nets": {
"type": "number",
"minimum": 0
},
"charges_credits_mensuelles": {
"type": "number",
"minimum": 0
},
"type_bien": {
"type": "string"
},
"durees_annees": {
"type": "array",
"items": {
"type": "integer",
"enum": [
15,
20,
25
]
}
},
"taux_assurance_pct": {
"type": "number",
"minimum": 0
}
},
"required": [
"prix_bien_eur",
"apport_eur",
"revenus_mensuels_nets"
],
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"scenarios": {
"type": "array"
},
"scenario_recommande": {
"type": "object"
},
"prochaine_etape": {
"type": "object"
},
"cadre": {
"type": "string"
},
"note": {
"type": "string"
}
},
"additionalProperties": true
}🟢audit_dossier_bancaire(revenus_mensuels_nets, charges_credits_mensuelles, apport_eur, prix_bien_eur, situation, ...)
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.
Esquema de entrada
{
"type": "object",
"properties": {
"revenus_mensuels_nets": {
"type": "number",
"minimum": 0
},
"charges_credits_mensuelles": {
"type": "number",
"minimum": 0
},
"apport_eur": {
"type": "number",
"minimum": 0
},
"prix_bien_eur": {
"type": "number",
"minimum": 0
},
"situation": {
"type": "string",
"enum": [
"salarie",
"tns",
"independant",
"chef_entreprise",
"fonctionnaire",
"non_resident"
]
},
"anciennete_mois": {
"type": "integer",
"minimum": 0
},
"incidents_compte_3_mois": {
"type": "boolean"
},
"credits_conso_en_cours": {
"type": "boolean"
},
"projet": {
"type": "string"
}
},
"required": [
"revenus_mensuels_nets"
],
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"score_preparation_sur_100": {
"type": "integer"
},
"niveau": {
"type": "string"
},
"prochaine_etape": {
"type": "object"
},
"cadre": {
"type": "string"
},
"note": {
"type": "string"
}
},
"additionalProperties": true
}⚪demander_rappel_courtiere(telephone, prenom, projet, email, consentement, ...)
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.
Esquema de entrada
{
"type": "object",
"properties": {
"telephone": {
"type": "string"
},
"prenom": {
"type": "string"
},
"projet": {
"type": "string"
},
"email": {
"type": "string"
},
"consentement": {
"type": "boolean"
},
"intention": {
"type": "string",
"const": "rappel_demande_par_utilisateur",
"description": "Doit valoir rappel_demande_par_utilisateur."
}
},
"required": [
"telephone",
"consentement",
"intention"
],
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"ok": {
"type": "boolean"
},
"error": {
"type": "string"
},
"erreur": {
"type": "string"
},
"lead_id": {
"type": "integer"
},
"message": {
"type": "string"
}
},
"additionalProperties": true
}⚪veille_taux(email, prenom, projet, region, consentement, ...)
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.
Esquema de entrada
{
"type": "object",
"properties": {
"email": {
"type": "string"
},
"prenom": {
"type": "string"
},
"projet": {
"type": "string"
},
"region": {
"type": "string"
},
"consentement": {
"type": "boolean"
},
"intention": {
"type": "string",
"const": "veille_demandee_par_utilisateur"
}
},
"required": [
"email",
"consentement",
"intention"
],
"additionalProperties": false
}Esquema de salida
{
"type": "object",
"properties": {
"ok": {
"type": "boolean"
},
"error": {
"type": "string"
},
"erreur": {
"type": "string"
},
"lead_id": {
"type": "integer"
}
},
"additionalProperties": true
}Comunidad
Evidencia