Capucine — ScoreCredit
French mortgage tools: HCSF capacity, dated rates, usury caps, ORIAS 26000195.
사용해야 할까요
품질 및 안전성
발견 사항 (4)
- LOWTool 'taux_immobilier_jour' description lacks action verbtaux_immobilier_jour에서
- LOWTool 'identite_cabinet' description lacks action verbidentite_cabinet에서
- LOWTool 'simulation_financement_complet' description lacks action verbsimulation_financement_complet에서
- LOWTool 'comparer_scenarios_financement' description lacks action verbcomparer_scenarios_financement에서
도구 정의와 프로토콜 준수에 대한 자동 분석을 기반으로 합니다.
컨텍스트 비용
이는 서버의 도구가 모델의 컨텍스트에 로드될 때마다 소비되는 대략적인 토큰 수입니다. 수치가 높을수록 다른 작업에 사용할 수 있는 주의가 줄어듭니다.
설치
원클릭 설치
`claude_desktop_config.json` 파일에 다음을 추가하세요:
{
"mcpServers": {
"capucine": {
"url": "https://scorecredit.fr/mcp/sse"
}
}
}원격 엔드포인트
https://scorecredit.fr/mcp/ssessehttps://scorecredit.fr/mcpstreamable-http할 수 있는 일
도구 목록
도구 (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.
입력 스키마
{
"type": "object",
"properties": {},
"additionalProperties": false
}출력 스키마
{
"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.
입력 스키마
{
"type": "object",
"properties": {},
"additionalProperties": false
}출력 스키마
{
"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).
입력 스키마
{
"type": "object",
"properties": {},
"additionalProperties": false
}출력 스키마
{
"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.
입력 스키마
{
"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
}출력 스키마
{
"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.
입력 스키마
{
"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
}출력 스키마
{
"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.
입력 스키마
{
"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
}출력 스키마
{
"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.
입력 스키마
{
"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
}출력 스키마
{
"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.
입력 스키마
{
"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
}출력 스키마
{
"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.
입력 스키마
{
"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
}출력 스키마
{
"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.
입력 스키마
{
"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
}출력 스키마
{
"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.
입력 스키마
{
"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
}출력 스키마
{
"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.
입력 스키마
{
"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
}출력 스키마
{
"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.
입력 스키마
{
"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
}출력 스키마
{
"type": "object",
"properties": {
"ok": {
"type": "boolean"
},
"error": {
"type": "string"
},
"erreur": {
"type": "string"
},
"lead_id": {
"type": "integer"
}
},
"additionalProperties": true
}커뮤니티
증거