AVnester — Indian Real Estate Intelligence

Compare home-loan balance transfer (calculator)

compare_balance_transfer

Read-onlyIdempotent

Compare staying on your current home loan vs. transferring (refinancing) to a lower rate. Pure deterministic math — no advice, no loan-approval claim. Use when the user asks "should I switch lenders / transfer my loan / refinance". Returns new EMI, interest saved over the remaining tenure, switching cost, net saving, and the breakeven month. Always surface the disclaimer field.

Input Schema

TableJSON Schema

Name	Required	Description
`flatCosts`	No	Flat legal + valuation charges in INR. Defaults to ₹12,500.
`newRatePercent`	Yes	New lender annual interest rate (percent).
`processingFeePct`	No	New-lender processing fee on the balance (percent). Defaults to 0.5%.
`currentRatePercent`	Yes	Current annual interest rate (percent).
`outstandingPrincipal`	Yes	Current outstanding home-loan principal in INR.
`remainingTenureYears`	Yes	Years left on the loan.

Output Schema

TableJSON Schema

Name	Required	Description	Default
`cards`	Yes
`newEmi`	Yes
`worthIt`	Yes
`netSaving`	Yes
`currentEmi`	Yes
`disclaimer`	Yes
`assumptions`	Yes
`attribution`	Yes
`switchingCost`	Yes
`newRatePercent`	Yes
`breakevenMonths`	Yes
`monthlyEmiSaving`	Yes
`newTotalInterest`	Yes
`currentRatePercent`	Yes
`grossInterestSaved`	Yes
`currentTotalInterest`	Yes
`outstandingPrincipal`	Yes
`remainingTenureYears`	Yes

Schema Changelog

Changes observed during successful MCP inspections.

Changed2 schema fields changedJun 13, 2026

addedOutput schema / properties / cards

Added value: +{
+  "items": {
+    "additionalProperties": true,
+    "properties": {
+      "data": {
+        "additionalProperties": {},
+        "type": "object"
+      },
+      "priority": {
+        "type": "integer"
+      },
+      "template": {
+        "type": "string"
+      }
+    },
+    "required": [
+      "template",
+      "data",
+      "priority"
+    ],
+    "type": "object"
+  },
+  "type": "array"
+}

changedOutput schema / required

Previous value: -[
-  "outstandingPrincipal",
-  "currentRatePercent",
-  "newRatePercent",
-  "remainingTenureYears",
-  "currentEmi",
-  "newEmi",
-  "monthlyEmiSaving",
-  "currentTotalInterest",
-  "newTotalInterest",
-  "grossInterestSaved",
-  "switchingCost",
-  "netSaving",
-  "breakevenMonths",
-  "worthIt",
-  "assumptions",
-  "attribution",
-  "disclaimer"
-]New value: +[
+  "outstandingPrincipal",
+  "currentRatePercent",
+  "newRatePercent",
+  "remainingTenureYears",
+  "currentEmi",
+  "newEmi",
+  "monthlyEmiSaving",
+  "currentTotalInterest",
+  "newTotalInterest",
+  "grossInterestSaved",
+  "switchingCost",
+  "netSaving",
+  "breakevenMonths",
+  "worthIt",
+  "assumptions",
+  "attribution",
+  "disclaimer",
+  "cards"
+]

Changed1 schema field changedJun 12, 2026

changedOutput schema / (root)

Previous value: -nullNew value: +{
+  "additionalProperties": true,
+  "properties": {
+    "assumptions": {
+      "additionalProperties": true,
+      "properties": {
+        "floatingForeclosurePenaltyWaived": {
+          "enum": [
+            true
+          ]
+        },
+        "interestType": {
+          "enum": [
+            "reducing-balance"
+          ]
+        },
+        "notALoanApproval": {
+          "enum": [
+            true
+          ]
+        },
+        "tenureHeldConstant": {
+          "enum": [
+            true
+          ]
+        }
+      },
+      "required": [
+        "interestType",
+        "tenureHeldConstant",
+        "floatingForeclosurePenaltyWaived",
+        "notALoanApproval"
+      ],
+      "type": "object"
+    },
+    "attribution": {
+      "enum": [
+        "AVnester"
+      ]
+    },
+    "breakevenMonths": {
+      "type": [
+        "integer",
+        "null"
+      ]
+    },
+    "currentEmi": {
+      "type": "integer"
+    },
+    "currentRatePercent": {
+      "type": "number"
+    },
+    "currentTotalInterest": {
+      "type": "integer"
+    },
+    "disclaimer": {
+      "type": "string"
+    },
+    "grossInterestSaved": {
+      "type": "integer"
+    },
+    "monthlyEmiSaving": {
+      "type": "integer"
+    },
+    "netSaving": {
+      "type": "integer"
+    },
+    "newEmi": {
+      "type": "integer"
+    },
+    "newRatePercent": {
+      "type": "number"
+    },
+    "newTotalInterest": {
+      "type": "integer"
+    },
+    "outstandingPrincipal": {
+      "type": "integer"
+    },
+    "remainingTenureYears": {
+      "type": "integer"
+    },
+    "switchingCost": {
+      "type": "integer"
+    },
+    "worthIt": {
+      "type": "boolean"
+    }
+  },
+  "required": [
+    "outstandingPrincipal",
+    "currentRatePercent",
+    "newRatePercent",
+    "remainingTenureYears",
+    "currentEmi",
+    "newEmi",
+    "monthlyEmiSaving",
+    "currentTotalInterest",
+    "newTotalInterest",
+    "grossInterestSaved",
+    "switchingCost",
+    "netSaving",
+    "breakevenMonths",
+    "worthIt",
+    "assumptions",
+    "attribution",
+    "disclaimer"
+  ],
+  "type": "object"
+}

Changed3 schema fields changedJun 9, 2026
- removedInput schema / $schema
```
Removed value: -"http://json-schema.org/draft-07/schema#"
```
- removedInput schema / properties / flatCosts / maximum
```
Removed value: -9007199254740991
```
- removedInput schema / properties / outstandingPrincipal / maximum
```
Removed value: -9007199254740991
```
AddedMay 28, 2026

TDQS

A4.5/5.0

Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Adds significant behavioral context beyond annotations: 'Pure deterministic math — no advice, no loan-approval claim' and 'Always surface the disclaimer field.' Annotations already indicate readOnly/idempotent/non-destructive; description enriches with operational constraints.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Three sentences, front-loaded with purpose, no unnecessary words. Each sentence earns its place: purpose, usage guidance, and output summary with disclaimer note.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Despite 6 parameters and required outputs, the description covers all key aspects: what it compares, when to use, what it returns (including disclaimer). Output schema exists so return values are further detailed; description provides sufficient high-level completeness.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100%, so each parameter is described in the schema. Description does not add further parameter details but summarizes outputs. Baseline score of 3 applies as description adds no extra parameter meaning.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

Description clearly states it compares staying vs. transferring a home loan, lists what it returns, and explicitly says when to use it (user asks about switching/refinancing). Distinguishes from siblings like simulate_loan_prepayment.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Provides explicit usage context: 'Use when the user asks...' and clarifies it is pure math with no advice/approval. Lacks explicit when-not-to-use or alternative tools, but context is sufficient.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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