Rychlá Hypo – Czech mortgages
Czech mortgage rates, payment comparison and max loan per bank for 6 major Czech banks.
Should I use this
Quality & Safety
A
Based on automated analysis of tool definitions and protocol compliance.
Context Cost
~1,885Tokens (tool definitions)
~4.2 KBTypical response size
Moderate attention impact (1.47% of 128k context)
This is the approximate number of tokens consumed each time the server's tools are loaded into a model's context. Higher counts reduce the attention available for other tasks.
Install
One-Click Install
Add this to your `claude_desktop_config.json` file:
{
"mcpServers": {
"mortgages": {
"url": "https://rychlahypo.cz/mcp"
}
}
}Remote endpoints
https://rychlahypo.cz/mcpstreamable-httpWhat it can do
Tool inventory
Tools (4)
🟢 Read-only🟡 Write🔴 Delete⚪ Unknown
🟢get_mortgage_rates(fixation)
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 Schema
{
"type": "object",
"properties": {
"fixation": {
"type": "string",
"enum": [
"1R",
"3R",
"5R",
"7R",
"10R"
],
"default": "3R",
"description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too."
}
},
"additionalProperties": false
}🟢compare_mortgages(loan_amount, property_value, term_years, fixation, all_applicants_under_36)
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 Schema
{
"type": "object",
"properties": {
"loan_amount": {
"type": "number",
"minimum": 100000,
"description": "Mortgage amount in CZK."
},
"property_value": {
"type": "number",
"minimum": 0,
"description": "Property price or valuation in CZK. Used for LTV surcharges and bank LTV limits. Optional."
},
"term_years": {
"type": "number",
"minimum": 5,
"maximum": 40,
"default": 30,
"description": "Repayment term in years."
},
"fixation": {
"type": "string",
"enum": [
"1R",
"3R",
"5R",
"7R",
"10R"
],
"default": "3R",
"description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too."
},
"all_applicants_under_36": {
"type": "boolean",
"default": false,
"description": "True if every applicant is younger than 36 (UniCredit waives the 81–90 % LTV surcharge)."
}
},
"required": [
"loan_amount"
],
"additionalProperties": false
}🟢calculate_max_mortgage(applicants, children, children_ages, married, purpose, ...)
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 Schema
{
"type": "object",
"properties": {
"applicants": {
"type": "array",
"minItems": 1,
"maxItems": 4,
"items": {
"type": "object",
"required": [
"age"
],
"additionalProperties": true,
"properties": {
"age": {
"type": "number",
"description": "Age in years."
},
"income_type": {
"type": "string",
"default": "employee",
"enum": [
"employee",
"osvc_vydpausal",
"osvc_skutecne",
"osvc_paus",
"sro",
"rental",
"dpp",
"dpc",
"pension",
"parental",
"ppm",
"dividends",
"vysluha"
],
"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."
},
"net_income": {
"type": "number",
"description": "Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base."
},
"contract": {
"type": "string",
"enum": [
"indefinite",
"fixed",
"probation",
"notice"
],
"description": "Employment contract type."
},
"months_employed": {
"type": "number",
"description": "Months at current employer."
},
"annual_revenue": {
"type": "number",
"description": "Self-employed: annual revenue from the last tax return (row 101/113), CZK."
},
"annual_tax_base": {
"type": "number",
"description": "Self-employed: annual tax base from the last tax return, CZK."
},
"flat_expense_rate": {
"type": "number",
"description": "Self-employed flat-rate expenses as a fraction: 0.4, 0.6 or 0.8."
},
"pension_type": {
"type": "string",
"enum": [
"starobni",
"invalidni",
"vdovsky",
"sirotci"
],
"description": "For income_type=pension: old-age, disability, widow's, orphan's."
},
"secondary_income_type": {
"type": "string",
"description": "Optional second income of the same applicant (same codes as income_type)."
},
"secondary_net_income": {
"type": "number",
"description": "Net monthly amount of the secondary income, CZK."
},
"residence": {
"type": "string",
"enum": [
"cr",
"eu",
"third_stable",
"third_risky"
],
"default": "cr",
"description": "Residency: Czech, EU/EEA, stable third country, other."
}
}
},
"description": "1–4 applicants (household members who will be borrowers)."
},
"children": {
"type": "number",
"minimum": 0,
"default": 0,
"description": "Number of dependent children (counted as 6–15 years old). For precise living costs send children_ages instead."
},
"children_ages": {
"type": "array",
"items": {
"type": "number",
"minimum": 0,
"maximum": 26
},
"description": "Ages of dependent children, e.g. [3, 9]. Overrides children."
},
"married": {
"type": "boolean",
"description": "Applicants are spouses with joint property (SJM)."
},
"purpose": {
"type": "string",
"enum": [
"koupe",
"refinancovani",
"stavba",
"rekonstrukce",
"neucelova",
"vyporadani"
],
"default": "koupe",
"description": "Purpose: purchase, refinancing, construction, renovation, non-purpose (American mortgage), settlement."
},
"property_type": {
"type": "string",
"enum": [
"byt",
"dum",
"coop",
"land",
"rekreacni",
"commercial"
],
"description": "Flat, house, cooperative flat, land, recreational, commercial."
},
"property_value": {
"type": "number",
"description": "Property price in CZK. Without it the result is the income-based maximum only."
},
"requested_loan": {
"type": "number",
"description": "Specific loan amount to assess (approved yes/no per bank). Omit to get the maximum per bank."
},
"own_funds": {
"type": "number",
"description": "Own funds / savings in CZK."
},
"term_years": {
"type": "number",
"minimum": 1,
"maximum": 40,
"default": 30
},
"fixation": {
"type": "string",
"enum": [
"1R",
"3R",
"5R",
"7R",
"10R"
],
"default": "3R",
"description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too."
},
"region": {
"type": "string",
"enum": [
"praha",
"regional",
"small"
],
"default": "regional",
"description": "Prague, other larger town, small municipality (affects living costs)."
},
"loan_payments": {
"type": "number",
"default": 0,
"description": "Monthly payments of all existing loans and leasing, CZK."
},
"existing_debt_balance": {
"type": "number",
"default": 0,
"description": "Outstanding principal of all existing loans, CZK (DTI limit)."
},
"credit_card_limits": {
"type": "number",
"default": 0,
"description": "Sum of credit card limits, CZK."
},
"overdraft_limits": {
"type": "number",
"default": 0,
"description": "Sum of overdraft limits, CZK."
},
"alimony_paid": {
"type": "number",
"default": 0,
"description": "Monthly alimony paid, CZK."
},
"housing_cost": {
"type": "number",
"default": 0,
"description": "Monthly housing cost that continues after the purchase (e.g. rent), CZK."
},
"investment": {
"type": "boolean",
"default": false,
"description": "Buy-to-let / third or further residential property (LTV 70 %, DTI 7)."
}
},
"required": [
"applicants"
],
"additionalProperties": true
}🟢get_advisor_contact
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.
Input Schema
{
"type": "object",
"properties": {},
"additionalProperties": false
}Community
Evidence
Recent observations
verifiedversion not recorded4 tools