AVnester — Indian Real Estate Intelligence

Simulate home-loan prepayment (calculator)

simulate_loan_prepayment

Read-onlyIdempotent

Simulate prepaying / repaying an Indian home loan early. Deterministic math — no advice, no loan-approval claim. Use for "should I prepay", "early/part/lump-sum repayment", "pay extra each month", "reduce EMI or tenure", "interest saved", or foreclosure. Modes: one-time, recurring yearly, or a fixed extra every month. Compares reduce_tenure (keep EMI, finish early) vs reduce_emi (keep tenure, lower EMI). emi = next EMI; finalEmi = after the last prepayment. Always surface the disclaimer field.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`strategy`	No	reduce_tenure keeps the EMI and finishes early (bigger saving); reduce_emi keeps the tenure and lowers the EMI; compare_both returns both.	compare_both
`prepaymentMode`	No	How the prepayment is made (annual anniversary vs every month).	one_time
`prepaymentAmount`	No	One-time lump-sum prepayment in INR (one_time / one_time_plus_recurring* modes).
`annualRatePercent`	No	Current annual interest rate (percent). Defaults to the indicative market rate when omitted.
`outstandingPrincipal`	Yes	Current outstanding home-loan principal in INR.
`remainingTenureYears`	Yes	Years left on the loan at the current EMI.
`recurringAnnualAmount`	No	Recurring yearly prepayment in INR (recurring_annual / one_time_plus_recurring modes).
`recurringMonthlyAmount`	No	Fixed extra paid toward principal EVERY month on top of the EMI (recurring_monthly / one_time_plus_recurring_monthly modes).

Output Schema

TableJSON Schema

Name	Required	Description	Default
`cards`	Yes
`applied`	Yes
`baseline`	Yes
`strategy`	Yes
`reduceEmi`	No
`disclaimer`	Yes
`assumptions`	Yes
`attribution`	Yes
`reduceTenure`	No
`prepaymentMode`	Yes
`annualRatePercent`	Yes
`outstandingPrincipal`	Yes
`remainingTenureYears`	Yes

Schema Changelog

Changes observed during successful MCP inspections.

Changed2 schema fields changedOct 1, 2026
- addedOutput schema / properties / reduceEmi / properties / finalEmi
```
Added value: +{
+  "type": "integer"
+}
```
- addedOutput schema / properties / reduceTenure / properties / finalEmi
```
Added value: +{
+  "type": "integer"
+}
```

Changed10 schema fields changedJun 16, 2026

changedInput schema / properties / prepaymentAmount / description

Previous value: -"One-time lump-sum prepayment in INR (used by one_time / one_time_plus_recurring modes)."New value: +"One-time lump-sum prepayment in INR (one_time / one_time_plus_recurring* modes)."

changedInput schema / properties / prepaymentMode / description

Previous value: -"How the prepayment is made."New value: +"How the prepayment is made (annual anniversary vs every month)."

changedInput schema / properties / prepaymentMode / enum

Previous value: -[
-  "one_time",
-  "recurring_annual",
-  "one_time_plus_recurring"
-]New value: +[
+  "one_time",
+  "recurring_annual",
+  "recurring_monthly",
+  "one_time_plus_recurring",
+  "one_time_plus_recurring_monthly"
+]

changedInput schema / properties / recurringAnnualAmount / description

Previous value: -"Recurring yearly prepayment in INR (used by recurring_annual / one_time_plus_recurring modes)."New value: +"Recurring yearly prepayment in INR (recurring_annual / one_time_plus_recurring modes)."

addedInput schema / properties / recurringMonthlyAmount

Added value: +{
+  "default": 0,
+  "description": "Fixed extra paid toward principal EVERY month on top of the EMI (recurring_monthly / one_time_plus_recurring_monthly modes).",
+  "minimum": 0,
+  "type": "integer"
+}

addedOutput schema / properties / applied / properties / recurringMonthly
```
Added value: +{
+  "type": "integer"
+}
```

changedOutput schema / properties / applied / required

Previous value: -[
-  "oneTime",
-  "recurringAnnual"
-]New value: +[
+  "oneTime",
+  "recurringAnnual",
+  "recurringMonthly"
+]

addedOutput schema / properties / assumptions / properties / recurringMonthlyAppliedEachMonth
```
Added value: +{
+  "enum": [
+    true
+  ]
+}
```

changedOutput schema / properties / assumptions / required

Previous value: -[
-  "interestType",
-  "oneTimeAppliedImmediately",
-  "recurringAppliedAnnually",
-  "floatingRatePrepaymentPenaltyWaived",
-  "notALoanApproval"
-]New value: +[
+  "interestType",
+  "oneTimeAppliedImmediately",
+  "recurringAppliedAnnually",
+  "recurringMonthlyAppliedEachMonth",
+  "floatingRatePrepaymentPenaltyWaived",
+  "notALoanApproval"
+]

changedOutput schema / properties / prepaymentMode / enum

Previous value: -[
-  "one_time",
-  "recurring_annual",
-  "one_time_plus_recurring"
-]New value: +[
+  "one_time",
+  "recurring_annual",
+  "recurring_monthly",
+  "one_time_plus_recurring",
+  "one_time_plus_recurring_monthly"
+]

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",
-  "annualRatePercent",
-  "remainingTenureYears",
-  "prepaymentMode",
-  "strategy",
-  "applied",
-  "baseline",
-  "assumptions",
-  "attribution",
-  "disclaimer"
-]New value: +[
+  "outstandingPrincipal",
+  "annualRatePercent",
+  "remainingTenureYears",
+  "prepaymentMode",
+  "strategy",
+  "applied",
+  "baseline",
+  "assumptions",
+  "attribution",
+  "disclaimer",
+  "cards"
+]

Changed1 schema field changedJun 12, 2026

changedOutput schema / (root)

Previous value: -nullNew value: +{
+  "additionalProperties": true,
+  "properties": {
+    "annualRatePercent": {
+      "type": "number"
+    },
+    "applied": {
+      "additionalProperties": true,
+      "properties": {
+        "oneTime": {
+          "type": "integer"
+        },
+        "recurringAnnual": {
+          "type": "integer"
+        }
+      },
+      "required": [
+        "oneTime",
+        "recurringAnnual"
+      ],
+      "type": "object"
+    },
+    "assumptions": {
+      "additionalProperties": true,
+      "properties": {
+        "floatingRatePrepaymentPenaltyWaived": {
+          "enum": [
+            true
+          ]
+        },
+        "interestType": {
+          "enum": [
+            "reducing-balance"
+          ]
+        },
+        "notALoanApproval": {
+          "enum": [
+            true
+          ]
+        },
+        "oneTimeAppliedImmediately": {
+          "enum": [
+            true
+          ]
+        },
+        "recurringAppliedAnnually": {
+          "enum": [
+            true
+          ]
+        }
+      },
+      "required": [
+        "interestType",
+        "oneTimeAppliedImmediately",
+        "recurringAppliedAnnually",
+        "floatingRatePrepaymentPenaltyWaived",
+        "notALoanApproval"
+      ],
+      "type": "object"
+    },
+    "attribution": {
+      "enum": [
+        "AVnester"
+      ]
+    },
+    "baseline": {
+      "additionalProperties": true,
+      "properties": {
+        "emi": {
+          "type": "integer"
+        },
+        "payoffMonths": {
+          "type": "integer"
+        },
+        "totalInterest": {
+          "type": "integer"
+        }
+      },
+      "required": [
+        "emi",
+        "payoffMonths",
+        "totalInterest"
+      ],
+      "type": "object"
+    },
+    "disclaimer": {
+      "type": "string"
+    },
+    "outstandingPrincipal": {
+      "type": "integer"
+    },
+    "prepaymentMode": {
+      "enum": [
+        "one_time",
+        "recurring_annual",
+        "one_time_plus_recurring"
+      ],
+      "type": "string"
+    },
+    "reduceEmi": {
+      "additionalProperties": true,
+      "properties": {
+        "emi": {
+          "type": "integer"
+        },
+        "interestSaved": {
+          "type": "integer"
+        },
+        "monthsSaved": {
+          "type": "integer"
+        },
+        "payoffMonths": {
+          "type": "integer"
+        },
+        "totalInterest": {
+          "type": "integer"
+        }
+      },
+      "required": [
+        "emi",
+        "payoffMonths",
+        "totalInterest",
+        "interestSaved",
+        "monthsSaved"
+      ],
+      "type": "object"
+    },
+    "reduceTenure": {
+      "additionalProperties": true,
+      "properties": {
+        "emi": {
+          "type": "integer"
+        },
+        "interestSaved": {
+          "type": "integer"
+        },
+        "monthsSaved": {
+          "type": "integer"
+        },
+        "payoffMonths": {
+          "type": "integer"
+        },
+        "totalInterest": {
+          "type": "integer"
+        }
+      },
+      "required": [
+        "emi",
+        "payoffMonths",
+        "totalInterest",
+        "interestSaved",
+        "monthsSaved"
+      ],
+      "type": "object"
+    },
+    "remainingTenureYears": {
+      "type": "integer"
+    },
+    "strategy": {
+      "enum": [
+        "reduce_tenure",
+        "reduce_emi",
+        "compare_both"
+      ],
+      "type": "string"
+    }
+  },
+  "required": [
+    "outstandingPrincipal",
+    "annualRatePercent",
+    "remainingTenureYears",
+    "prepaymentMode",
+    "strategy",
+    "applied",
+    "baseline",
+    "assumptions",
+    "attribution",
+    "disclaimer"
+  ],
+  "type": "object"
+}

Changed4 schema fields changedJun 9, 2026
- removedInput schema / $schema
```
Removed value: -"http://json-schema.org/draft-07/schema#"
```
- removedInput schema / properties / outstandingPrincipal / maximum
```
Removed value: -9007199254740991
```
- removedInput schema / properties / prepaymentAmount / maximum
```
Removed value: -9007199254740991
```
- removedInput schema / properties / recurringAnnualAmount / maximum
```
Removed value: -9007199254740991
```
First observedMay 28, 2026

TDQS

A4.1/5.0

Behavior4/5

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

Annotations already cover the safety profile (readOnly, idempotent, non-destructive), and the description adds real behavioral context: deterministic math, no advisory/approval claim, and the operational instruction to always surface the disclaimer. It also clarifies return-field semantics (emi = next EMI, finalEmi = after last prepayment), though an output schema exists, so it isn't a 5.

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

Conciseness4/5

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

Front-loads purpose and the no-advice caveat, then packs modes, strategy comparison, and return-field notes into tight sentences. The quoted trigger-phrase list is slightly listy but every clause carries routing value.

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

Completeness4/5

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

With an output schema present, the description needn't restate return values, and it still covers scope, modes, strategy semantics, and the disclaimer obligation. An agent has enough to call it correctly; only explicit sibling routing is missing.

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 description coverage is 100% and both enums are documented inline, so the schema carries the parameter burden. The description reinforces the strategy trade-off (reduce_tenure vs reduce_emi) but adds little beyond what the enum descriptions already say; baseline 3 is appropriate.

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?

States a specific verb and resource ('simulate prepaying an Indian home loan early') and immediately scopes it as a deterministic calculator with no advice or approval claim. The mode/strategy summary lets an agent distinguish this from sibling tools like optimize_home_loan_tax_regime or compare_balance_transfer.

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?

Gives explicit trigger intents ('should I prepay', 'early/part/lump-sum repayment', 'reduce EMI or tenure', 'interest saved', foreclosure), which is strong when-to-use guidance. It does not name sibling alternatives or state when NOT to use it, so it stops short of a 5.

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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