Rychlá Hypo – Czech mortgages

Kolik mi která banka půjčí

calculate_max_mortgage

Read-onlyIdempotent

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

Name	Required	Description	Default
`region`	No	Prague, other larger town, small municipality (affects living costs).	regional
`married`	No	Applicants are spouses with joint property (SJM).
`purpose`	No	Purpose: purchase, refinancing, construction, renovation, non-purpose (American mortgage), settlement.	koupe
`children`	No	Number of dependent children (counted as 6–15 years old). For precise living costs send children_ages instead.
`fixation`	No	Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan).	3R
`own_funds`	No	Own funds / savings in CZK.
`applicants`	Yes	1–4 applicants (household members who will be borrowers).
`investment`	No	Buy-to-let / third or further residential property (LTV 70 %, DTI 7).
`term_years`	No	Repayment term in years ("30 let" or "360 měsíců" accepted).
`alimony_paid`	No	Monthly alimony paid, CZK.
`housing_cost`	No	Monthly housing cost that continues after the purchase (e.g. rent), CZK.
`children_ages`	No	Ages of dependent children, e.g. [3, 9]. Overrides children.
`loan_payments`	No	Monthly payments of all existing loans and leasing, CZK.
`property_type`	No	Flat, house, cooperative flat, land, recreational, commercial.
`property_value`	No	Property price in CZK. Without it the result is the income-based maximum only.
`requested_loan`	No	Specific loan amount to assess (approved yes/no per bank); needs property_value (or valuation), otherwise only the maximum is returned with an input_warnings note. Omit to get the maximum per bank.
`household_region`	No	Where the household lives (living costs). Omit = same as region of the property.
`overdraft_limits`	No	Sum of overdraft limits, CZK.
`renovation_budget`	No	Renovation budget in CZK (purpose rekonstrukce): the loan is capped by it.
`credit_card_limits`	No	Sum of credit card limits, CZK.
`existing_debt_balance`	No	Outstanding principal of all existing loans, CZK (DTI limit).

Schema Changelog

Changes observed during successful MCP inspections.

Changed2 schema fields changedNov 3, 2026

addedInput schema / properties / household_region

Added value: +{
+  "description": "Where the household lives (living costs). Omit = same as region of the property.",
+  "enum": [
+    "praha",
+    "mimo"
+  ],
+  "type": "string"
+}

addedInput schema / properties / renovation_budget

Added value: +{
+  "description": "Renovation budget in CZK (purpose rekonstrukce): the loan is capped by it.",
+  "type": "number"
+}

Changed11 schema fields changedOct 2, 2026

changedInput schema / properties / applicants / items / properties / age / description
```
Previous value: -"Age in years."New value: +"Age in years (or year of birth)."
```

addedInput schema / properties / applicants / items / properties / avg_monthly_revenue

Added value: +{
+  "description": "income_type=osvc_paus (flat tax): average monthly revenue in CZK. Required for osvc_paus (or annual_revenue, divided by 12).",
+  "type": "number"
+}

addedInput schema / properties / applicants / items / properties / business_industry

Added value: +{
+  "default": "jine",
+  "description": "income_type=osvc_paus: line of business (banks apply industry margins to revenue).",
+  "enum": [
+    "it",
+    "remeslo",
+    "poradenstvi",
+    "zdravotnictvi",
+    "obchod",
+    "kreativni",
+    "osobni_sluzby",
+    "doprava",
+    "pravo_ucto",
+    "architektura",
+    "vzdelavani",
+    "finance",
+    "vyroba_gastro",
+    "provozni_sluzby",
+    "zemedelstvi",
+    "reality",
+    "jine"
+  ],
+  "type": "string"
+}

addedInput schema / properties / applicants / items / properties / flat_tax_band

Added value: +{
+  "description": "income_type=osvc_paus: monthly flat tax actually paid in CZK, or band number 1–3. Omit to derive it from revenue.",
+  "type": "number"
+}

changedInput schema / properties / applicants / items / properties / months_employed / description

Previous value: -"Months at current employer."New value: +"Months at current employer (text with a unit like \"2 roky\" or \"18 měsíců\" is accepted)."

addedInput schema / properties / applicants / items / properties / months_in_business

Added value: +{
+  "description": "Months in business (self-employed: osvc_paus, osvc_vydpausal, osvc_skutecne). Omit if unknown.",
+  "type": "number"
+}

changedInput schema / properties / applicants / items / properties / net_income / description

Previous value: -"Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base."New value: +"Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base; for osvc_paus (flat tax) avg_monthly_revenue."

addedInput schema / properties / applicants / items / properties / paid_full_prev_year

Added value: +{
+  "default": true,
+  "description": "income_type=osvc_paus: was in the flat-tax regime for the whole previous year.",
+  "type": "boolean"
+}

changedInput schema / properties / fixation / description

Previous value: -"Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too."New value: +"Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan)."

changedInput schema / properties / requested_loan / description

Previous value: -"Specific loan amount to assess (approved yes/no per bank). Omit to get the maximum per bank."New value: +"Specific loan amount to assess (approved yes/no per bank); needs property_value (or valuation), otherwise only the maximum is returned with an input_warnings note. Omit to get the maximum per bank."

addedInput schema / properties / term_years / description

Added value: +"Repayment term in years (\"30 let\" or \"360 měsíců\" accepted)."

Changed11 schema fields changedOct 2, 2026

changedInput schema / properties / applicants / items / properties / age / description
```
Previous value: -"Age in years (or year of birth)."New value: +"Age in years."
```

removedInput schema / properties / applicants / items / properties / avg_monthly_revenue

Removed value: -{
-  "description": "income_type=osvc_paus (flat tax): average monthly revenue in CZK. Required for osvc_paus (or annual_revenue, divided by 12).",
-  "type": "number"
-}

removedInput schema / properties / applicants / items / properties / business_industry

Removed value: -{
-  "default": "jine",
-  "description": "income_type=osvc_paus: line of business (banks apply industry margins to revenue).",
-  "enum": [
-    "it",
-    "remeslo",
-    "poradenstvi",
-    "zdravotnictvi",
-    "obchod",
-    "kreativni",
-    "osobni_sluzby",
-    "doprava",
-    "pravo_ucto",
-    "architektura",
-    "vzdelavani",
-    "finance",
-    "vyroba_gastro",
-    "provozni_sluzby",
-    "zemedelstvi",
-    "reality",
-    "jine"
-  ],
-  "type": "string"
-}

removedInput schema / properties / applicants / items / properties / flat_tax_band

Removed value: -{
-  "description": "income_type=osvc_paus: monthly flat tax actually paid in CZK, or band number 1–3. Omit to derive it from revenue.",
-  "type": "number"
-}

changedInput schema / properties / applicants / items / properties / months_employed / description

Previous value: -"Months at current employer (text with a unit like \"2 roky\" or \"18 měsíců\" is accepted)."New value: +"Months at current employer."

removedInput schema / properties / applicants / items / properties / months_in_business

Removed value: -{
-  "description": "Months in business (self-employed: osvc_paus, osvc_vydpausal, osvc_skutecne). Omit if unknown.",
-  "type": "number"
-}

changedInput schema / properties / applicants / items / properties / net_income / description

Previous value: -"Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base; for osvc_paus (flat tax) avg_monthly_revenue."New value: +"Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base."

removedInput schema / properties / applicants / items / properties / paid_full_prev_year

Removed value: -{
-  "default": true,
-  "description": "income_type=osvc_paus: was in the flat-tax regime for the whole previous year.",
-  "type": "boolean"
-}

changedInput schema / properties / fixation / description

Previous value: -"Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan)."New value: +"Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too."

changedInput schema / properties / requested_loan / description

Previous value: -"Specific loan amount to assess (approved yes/no per bank); needs property_value (or valuation), otherwise only the maximum is returned with an input_warnings note. Omit to get the maximum per bank."New value: +"Specific loan amount to assess (approved yes/no per bank). Omit to get the maximum per bank."

removedInput schema / properties / term_years / description

Removed value: -"Repayment term in years (\"30 let\" or \"360 měsíců\" accepted)."

Changed11 schema fields changedSep 30, 2026

changedInput schema / properties / applicants / items / properties / age / description
```
Previous value: -"Age in years."New value: +"Age in years (or year of birth)."
```

addedInput schema / properties / applicants / items / properties / avg_monthly_revenue

Added value: +{
+  "description": "income_type=osvc_paus (flat tax): average monthly revenue in CZK. Required for osvc_paus (or annual_revenue, divided by 12).",
+  "type": "number"
+}

addedInput schema / properties / applicants / items / properties / business_industry

Added value: +{
+  "default": "jine",
+  "description": "income_type=osvc_paus: line of business (banks apply industry margins to revenue).",
+  "enum": [
+    "it",
+    "remeslo",
+    "poradenstvi",
+    "zdravotnictvi",
+    "obchod",
+    "kreativni",
+    "osobni_sluzby",
+    "doprava",
+    "pravo_ucto",
+    "architektura",
+    "vzdelavani",
+    "finance",
+    "vyroba_gastro",
+    "provozni_sluzby",
+    "zemedelstvi",
+    "reality",
+    "jine"
+  ],
+  "type": "string"
+}

addedInput schema / properties / applicants / items / properties / flat_tax_band

Added value: +{
+  "description": "income_type=osvc_paus: monthly flat tax actually paid in CZK, or band number 1–3. Omit to derive it from revenue.",
+  "type": "number"
+}

changedInput schema / properties / applicants / items / properties / months_employed / description

Previous value: -"Months at current employer."New value: +"Months at current employer (text with a unit like \"2 roky\" or \"18 měsíců\" is accepted)."

addedInput schema / properties / applicants / items / properties / months_in_business

Added value: +{
+  "description": "Months in business (self-employed: osvc_paus, osvc_vydpausal, osvc_skutecne). Omit if unknown.",
+  "type": "number"
+}

changedInput schema / properties / applicants / items / properties / net_income / description

Previous value: -"Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base."New value: +"Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base; for osvc_paus (flat tax) avg_monthly_revenue."

addedInput schema / properties / applicants / items / properties / paid_full_prev_year

Added value: +{
+  "default": true,
+  "description": "income_type=osvc_paus: was in the flat-tax regime for the whole previous year.",
+  "type": "boolean"
+}

changedInput schema / properties / fixation / description

Previous value: -"Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too."New value: +"Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan)."

changedInput schema / properties / requested_loan / description

Previous value: -"Specific loan amount to assess (approved yes/no per bank). Omit to get the maximum per bank."New value: +"Specific loan amount to assess (approved yes/no per bank); needs property_value (or valuation), otherwise only the maximum is returned with an input_warnings note. Omit to get the maximum per bank."

addedInput schema / properties / term_years / description

Added value: +"Repayment term in years (\"30 let\" or \"360 měsíců\" accepted)."

First observedSep 27, 2026

TDQS

A3.6/5.0

Behavior3/5

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

Annotations already establish that this is a safe, read-only, idempotent operation. The description adds useful behavioral context about bank-specific credit methodologies and the absence of personal data requirements, but it does not explain output structure, warnings, or limitations beyond the high-level calculation purpose.

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?

Two sentences, front-loaded with the core purpose and followed by scope details. Every sentence contributes useful information with no unnecessary repetition.

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?

For a complex 21-parameter calculation tool without an output schema, the description adequately covers what is computed and what the result represents: maximum lending per bank or approval of a requested amount. It is reasonably complete, though it could do more to describe result variations such as unavailable fixations or input warnings.

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%, so the detailed parameter meanings are already provided in the input schema. The description only broadly references household income, expenses, debts, property, and ages/amounts, adding little parameter-level meaning beyond the schema.

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

Purpose4/5

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

The description states a specific verb and resource: calculate how much each of 6 Czech banks will lend, or whether a requested amount is approved. It is clearly distinct from rate comparison or advisor-contact tools, though it does not explicitly name the siblings it differs from.

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

Usage Guidelines3/5

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

It gives meaningful usage context by mentioning both maximum-loan calculation and approval assessment, and by noting that only ages and amounts are needed. However, it does not explicitly say when to use this tool versus compare_mortgages or get_mortgage_rates, nor does it state exclusions.

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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Kolik mi která banka půjčí

Input Schema

Schema Changelog

TDQS

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