get-loan-requirements

Retrieve application requirements for specific loans to prepare documentation needed for submission.

Instructions

Get the requirements to apply for a specific loan. | Obtener los requisitos para solicitar un préstamo específico.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`loanId`	Yes	Loan ID \| ID del préstamo

Implementation Reference

src/tools/loans.ts:176-243 (handler)

Handler function that fetches loans, locates the specific loan by ID, determines additional requirements based on loan type (personal, auto, hipotecario), and returns a JSON-structured response with requirements, recommended income, and approval info.

async ({ loanId }) => {
  const loans = await getLoans();
  const loan = loans.find(l => l.id === loanId);

  if (!loan) {
    return {
      content: [{
        type: 'text' as const,
        text: JSON.stringify({
          error: 'Loan not found | Préstamo no encontrado',
          validIds: loans.map(l => ({ id: l.id, name: l.name }))
        })
      }],
      isError: true
    };
  }

  // Generate requirements based on loan type (bilingual)
  const baseRequirements = [
    'Valid Uruguayan ID card | Cédula de identidad uruguaya vigente',
    'Proof of address | Comprobante de domicilio',
    'Latest pay stub | Último recibo de sueldo'
  ];

  const additionalRequirements: string[] = [];

  if (loan.name.toLowerCase().includes('hipotec')) {
    additionalRequirements.push(
      'Property appraisal | Tasación del inmueble',
      'Notarized property certificate | Certificado notarial de la propiedad',
      'Last 3 bank statements | 3 últimos estados de cuenta bancarios',
      'Minimum employment history: 2 years | Antigüedad laboral mínima: 2 años'
    );
  } else if (loan.name.toLowerCase().includes('auto')) {
    additionalRequirements.push(
      'Vehicle invoice or quote | Factura o cotización del vehículo',
      'Mandatory insurance | Seguro obligatorio',
      'Minimum employment history: 1 year | Antigüedad laboral mínima: 1 año'
    );
  } else {
    additionalRequirements.push(
      'Clean credit history | Clearing bancario limpio',
      'Minimum employment history: 6 months | Antigüedad laboral mínima: 6 meses'
    );
  }

  return {
    content: [{
      type: 'text' as const,
      text: JSON.stringify({
        loan: {
          id: loan.id,
          name: loan.name,
          institution: loan.institution
        },
        requirements: {
          documentation: [...baseRequirements, ...additionalRequirements],
          income: `Recommended minimum income | Ingreso mínimo recomendado: ${Math.round(loan.monthlyPayment * 3).toLocaleString('es-UY')} $U monthly | mensuales`,
          approval: {
            probability: loan.probability,
            estimatedTime: loan.probability === 'alta' ? '24-48 hours | horas' : '3-5 business days | días hábiles'
          }
        },
        features: loan.features
      }, null, 2)
    }]
  };
}

src/tools/loans.ts:173-175 (schema)
Input schema for the tool, requiring a numeric loanId parameter.
```
{
  loanId: z.number().describe('Loan ID | ID del préstamo')
},
```

src/tools/loans.ts:170-172 (registration)

Registration of the get-loan-requirements tool with the MCP server, including name and bilingual description.

server.tool(
  'get-loan-requirements',
  'Get the requirements to apply for a specific loan. | Obtener los requisitos para solicitar un préstamo específico.',

src/tools/loans.ts:20-23 (helper)
Helper function to fetch all available loans from the API, used by the get-loan-requirements handler.
```
async function getLoans(): Promise<Loan[]> {
  const response = await fetchLoans();
  return response.loans;
}
```

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