homes-loan-calculator
Home loan EMI, affordability, balance transfer, down payment, rent vs buy calculators.
我該用這個嗎
品質與安全性
發現項目（1）
- LOWTool 'emi' description lacks action verb在 emi 中
根據工具定義與協定合規性的自動化分析。
上下文成本
這是每次將伺服器的工具載入模型上下文時所消耗的約略 token 數量。數量越高，可用於其他工作的注意力就越少。
安裝
一鍵安裝
將以下內容加入你的 `claude_desktop_config.json` 檔案：
{
"mcpServers": {
"homes-loan-calculator": {
"url": "https://homesloancalculator.in/mcp"
}
}
}遠端端點
https://homesloancalculator.in/mcpstreamable-http它能做什麼
工具清單
工具（6）
⚪emi(principal, annualRate, months, years, lumpSums, ...)
Takes a loan amount, annual rate and tenure, plus optional prepayments or a rate change, and returns the monthly EMI, total interest and year-by-year schedule for an Indian home loan. Example input: {"principal":5000000,"annualRate":8.5,"years":20}
輸入結構描述
{
"type": "object",
"properties": {
"principal": {
"type": "number",
"minimum": 100000,
"maximum": 1000000000,
"description": "Loan amount in rupees"
},
"annualRate": {
"type": "number",
"minimum": 0.1,
"maximum": 30,
"description": "Annual interest rate in percent, for example 8.5"
},
"months": {
"description": "Loan tenure in months (6 to 480). Give months or years.",
"type": "integer",
"minimum": 6,
"maximum": 480
},
"years": {
"description": "Loan tenure in years (0.5 to 40). Give months or years.",
"type": "number",
"minimum": 0.5,
"maximum": 40
},
"lumpSums": {
"description": "One-time prepayments as a list of { month, amount }, or a string like \"12:100000,24:50000\"",
"type": "array",
"items": {
"type": "object",
"properties": {
"month": {
"type": "integer",
"minimum": 1,
"maximum": 9007199254740991
},
"amount": {
"type": "number",
"exclusiveMinimum": 0
}
},
"required": [
"month",
"amount"
]
}
},
"extraMonthly": {
"description": "Extra rupees prepaid every month",
"type": "number",
"minimum": 0
},
"mode": {
"description": "What prepayment shortens: reduceTenure (default) or reduceEMI",
"type": "string",
"enum": [
"reduceTenure",
"reduceEMI"
]
},
"rateReset": {
"description": "A floating-rate change part-way through the loan",
"type": "object",
"properties": {
"afterMonth": {
"type": "integer",
"minimum": 1,
"maximum": 9007199254740991,
"description": "Month after which the new rate applies"
},
"newRate": {
"type": "number",
"minimum": 0.1,
"maximum": 30,
"description": "New annual rate in percent"
},
"mode": {
"description": "reduceTenure (default) or reduceEMI",
"type": "string",
"enum": [
"reduceTenure",
"reduceEMI"
]
}
},
"required": [
"afterMonth",
"newRate"
]
},
"monthly": {
"description": "Set true to include the month-by-month schedule in the result",
"type": "boolean"
}
},
"required": [
"principal",
"annualRate"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟡sensitivity(principal, annualRate, months, years, deltas)
Takes a loan amount, annual rate and tenure and returns how the EMI and total interest change when the rate moves up or down by small steps. Example input: {"principal":5000000,"annualRate":8.5,"years":20}
輸入結構描述
{
"type": "object",
"properties": {
"principal": {
"type": "number",
"minimum": 100000,
"maximum": 1000000000,
"description": "Loan amount in rupees"
},
"annualRate": {
"type": "number",
"minimum": 0.1,
"maximum": 30,
"description": "Annual interest rate in percent, for example 8.5"
},
"months": {
"description": "Loan tenure in months (6 to 480). Give months or years.",
"type": "integer",
"minimum": 6,
"maximum": 480
},
"years": {
"description": "Loan tenure in years (0.5 to 40). Give months or years.",
"type": "number",
"minimum": 0.5,
"maximum": 40
},
"deltas": {
"description": "Rate changes in percentage points to test, for example [-1, -0.5, 0.5, 1]",
"type": "array",
"items": {
"type": "number"
}
}
},
"required": [
"principal",
"annualRate"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}⚪eligibility(netMonthlyIncome, existingEmis, annualRate, months, years, ...)
Takes net monthly income, existing EMIs, annual rate and tenure and returns the maximum EMI and home loan amount a borrower qualifies for. Example input: {"netMonthlyIncome":150000,"existingEmis":10000,"annualRate":8.5,"years":20}
輸入結構描述
{
"type": "object",
"properties": {
"netMonthlyIncome": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Net monthly take-home income in rupees"
},
"existingEmis": {
"description": "Total EMIs already paid each month in rupees (default 0)",
"type": "number",
"minimum": 0
},
"annualRate": {
"type": "number",
"minimum": 0.1,
"maximum": 30,
"description": "Annual interest rate in percent, for example 8.5"
},
"months": {
"description": "Loan tenure in months (6 to 480). Give months or years.",
"type": "integer",
"minimum": 6,
"maximum": 480
},
"years": {
"description": "Loan tenure in years (0.5 to 40). Give months or years.",
"type": "number",
"minimum": 0.5,
"maximum": 40
},
"foir": {
"description": "Share of income a bank lets all EMIs take, 0.1 to 1 (default 0.5)",
"type": "number",
"minimum": 0.1,
"maximum": 1
}
},
"required": [
"netMonthlyIncome",
"annualRate"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}⚪rentVsBuy(rent, rentGrowth, price, downPayment, annualRate, ...)
Takes rent, price, down payment, loan terms and growth assumptions and returns the year-by-year net worth of buying against renting, with the break-even year. Example input: {"rent":30000,"rentGrowth":5,"price":8000000,"downPayment":1600000,"annualRate":8.5,"months":240,"appreciation":5,"investReturn":10,"years":20}
輸入結構描述
{
"type": "object",
"properties": {
"rent": {
"type": "number",
"minimum": 0,
"description": "Current monthly rent in rupees"
},
"rentGrowth": {
"type": "number",
"minimum": 0,
"maximum": 30,
"description": "Yearly rent increase in percent"
},
"price": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Property price in rupees"
},
"downPayment": {
"type": "number",
"minimum": 0,
"description": "Down payment in rupees"
},
"annualRate": {
"type": "number",
"minimum": 0.1,
"maximum": 30,
"description": "Annual interest rate in percent, for example 8.5"
},
"months": {
"type": "integer",
"minimum": 6,
"maximum": 480,
"description": "Loan tenure in months"
},
"appreciation": {
"type": "number",
"minimum": -20,
"maximum": 30,
"description": "Yearly property price growth in percent"
},
"investReturn": {
"type": "number",
"minimum": 0,
"maximum": 40,
"description": "Yearly return in percent if the down payment is invested instead"
},
"years": {
"type": "integer",
"minimum": 1,
"maximum": 40,
"description": "Years to compare over"
}
},
"required": [
"rent",
"rentGrowth",
"price",
"downPayment",
"annualRate",
"months",
"appreciation",
"investReturn",
"years"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}⚪balanceTransfer(outstanding, remainingMonths, currentRate, newRate, processingFee)
Takes the outstanding balance, months left, current and new rates and a fee and returns both EMIs, the net saving and the break-even months of a balance transfer. Example input: {"outstanding":4000000,"remainingMonths":180,"currentRate":9.25,"newRate":8.4,"processingFee":20000}
輸入結構描述
{
"type": "object",
"properties": {
"outstanding": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Outstanding loan balance in rupees"
},
"remainingMonths": {
"type": "integer",
"minimum": 1,
"maximum": 480,
"description": "Months left on the current loan"
},
"currentRate": {
"type": "number",
"minimum": 0.1,
"maximum": 30,
"description": "Current annual rate in percent"
},
"newRate": {
"type": "number",
"minimum": 0.1,
"maximum": 30,
"description": "New lender annual rate in percent"
},
"processingFee": {
"description": "One-time transfer fee in rupees (default 0)",
"type": "number",
"minimum": 0
}
},
"required": [
"outstanding",
"remainingMonths",
"currentRate",
"newRate"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}⚪downPayment(price)
Takes a property price and returns the loan-to-value ratio, maximum loan, minimum down payment and approximate stamp duty plus registration. Example input: {"price":7500000}
輸入結構描述
{
"type": "object",
"properties": {
"price": {
"type": "number",
"exclusiveMinimum": 0,
"description": "Property price in rupees"
}
},
"required": [
"price"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}社群
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