com.avnester.mcp/property-intelligence

Official11 tools

AVnester — Indian Real Estate Intelligence

Indian real estate: property search, locality insights, affordability & pan-India stamp-duty tools.

Indian real estate search with locality insights, affordability analysis, and stamp-duty tools.

Captured live from the server via tools/list.

search_properties

Search residential property listings in Coimbatore, Tamil Nadu. Use when the user names a Coimbatore locality, price band, BHK, or transaction type. Returns sanitized listing cards with handoff URLs and a per-listing verified flag; never returns seller contact details. Out-of-scope cities return supported=false + supportedCities + scopeMessage — surface the scopeMessage to the user.

Parameters (9)

citystring
Indian city name (e.g., "Bangalore", "Coimbatore"). Required for results.
localitystring
Locality/neighborhood within the city (e.g., "Indiranagar").
propertyTypestring
Property type.
bedroomsinteger
Number of bedrooms (BHK).
minPriceinteger
Minimum price in INR.
maxPriceinteger
Maximum price in INR.
transactionTypestring
Whether to search for sale or rent.
furnishingstring
Furnishing status (rental queries).
limitinteger
Maximum number of listings to return (cap: 20). v1 abuse defense.

get_locality_insights

Get aggregated insights for a Coimbatore locality: avg price, supply count, demand pulse, livability/investment grade, highlights, watchouts, 12-month priceTrends, and strengthTags. Use when the user asks "what is X locality like" about a Coimbatore neighborhood. Out-of-scope cities return supported=false; surface the scopeMessage to the user. Always surface the disclaimer field when returning livability or investment grade.

Parameters (2)

localitystringrequired
Locality name within an Indian city.
citystringrequired
Indian city (required).

compare_localities

Compare 2–3 Coimbatore localities side-by-side: price trends, livability, investment grade, strengths, and watchouts. Use when the user asks "X vs Y" or "which is better between X and Y for buying/renting" about Coimbatore neighborhoods. Out-of-scope cities return supported=false; surface the scopeMessage to the user. For comparing specific LISTINGS by ID, use compare_properties instead.

Parameters (3)

citystringrequired
Indian city covering all compared localities.
localitiesarrayrequired
2–3 localities to compare (array, not comma-separated string).
propertyTypestring
Property type for comparison.

calculate_home_affordability

Estimate the monthly home-loan EMI / monthly payment in India — a home-loan calculator. Deterministic math; not advice or a loan-approval claim. Two modes: pass propertyValue (80% LTV assumed) OR loanAmount for a specific loan (e.g. "₹50 lakh loan"). Use for "what would my EMI be" / "monthly payment on …". The response `assumptionNote` states the basis in plain words. Always surface the disclaimer field.

Parameters (4)

propertyValueintegerrequired
Property value (price) in INR. When the user states a property/home price, put it here — an 80% loan is assumed unless loanAmount is also given.
loanAmountinteger
Loan amount in INR. Pass this when the user states a specific loan (e.g. "₹50 lakh loan") rather than a property price. Defaults to 80% of propertyValue if omitted.
interestRatePercentnumber
Annual interest rate (percent). Defaults to current market estimate.
tenureYearsinteger
Loan tenure in years. Defaults to 20.

simulate_loan_prepayment

Simulate prepaying / repaying an Indian home loan early. Pure 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 (recurring_monthly). Compares reduce_tenure (keep EMI, finish early) vs reduce_emi (keep tenure, lower EMI). Always surface the disclaimer field.

Parameters (8)

outstandingPrincipalintegerrequired
Current outstanding home-loan principal in INR.
remainingTenureYearsintegerrequired
Years left on the loan at the current EMI.
annualRatePercentnumber
Current annual interest rate (percent). Defaults to the indicative market rate when omitted.
prepaymentAmountinteger
One-time lump-sum prepayment in INR (one_time / one_time_plus_recurring* modes).
recurringAnnualAmountinteger
Recurring yearly prepayment in INR (recurring_annual / one_time_plus_recurring modes).
recurringMonthlyAmountinteger
Fixed extra paid toward principal EVERY month on top of the EMI (recurring_monthly / one_time_plus_recurring_monthly modes).
prepaymentModestring
How the prepayment is made (annual anniversary vs every month).
strategystring
reduce_tenure keeps the EMI and finishes early (bigger saving); reduce_emi keeps the tenure and lowers the EMI; compare_both returns both.

compare_balance_transfer

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.

Parameters (6)

outstandingPrincipalintegerrequired
Current outstanding home-loan principal in INR.
currentRatePercentnumberrequired
Current annual interest rate (percent).
newRatePercentnumberrequired
New lender annual interest rate (percent).
remainingTenureYearsintegerrequired
Years left on the loan.
processingFeePctnumber
New-lender processing fee on the balance (percent). Defaults to 0.5%.
flatCostsinteger
Flat legal + valuation charges in INR. Defaults to ₹12,500.

optimize_home_loan_tax_regime

Compare a home-loan borrower's income tax under the OLD vs NEW regime (FY2026-27) and recommend which regime saves more income tax. Pure deterministic slab math — not tax advice. Use when the user asks "old or new tax regime", "home-loan tax benefit", or "section 80C / 24(b) deduction". Models §24(b) interest + §80C principal (+ joint-loan doubling); the response lists benefits it does NOT model (capital gains, HRA, etc.). Always surface the disclaimer field.

Parameters (18)

annualIncomeintegerrequired
Annual gross income in INR EXCLUDING house property (salary + other income).
isSalariedboolean
Whether the taxpayer is salaried (gets the standard deduction).
homeLoanInterestintegerrequired
Annual home-loan interest paid (INR).
homeLoanPrincipalintegerrequired
Annual home-loan principal repaid (INR) — counts toward 80C.
propertyTypestring
Whether the property is self-occupied or let out.
annualRentinteger
Annual rent received in INR — required for let_out.
other80Cinteger
Other 80C investments in INR (PF, ELSS, insurance, etc.).
otherOldRegimeDeductionsinteger
Other OLD-regime-only deductions as a lump (HRA exemption, 80D, NPS 80CCD(1B), etc.).
jointLoanboolean
Joint loan with a co-borrower — doubles the 80C/24b caps (equal-split assumption).
ageBandstring
Taxpayer age band — raises the OLD-regime basic exemption (senior 60–80 → ₹3L, super-senior 80+ → ₹5L). New regime unaffected. Defaults to below60.
residencyStatusstring
Default resident. Pass nri to get §195 TDS + LRS-cap math in the response.
countryOfResidencestring
NRI only — DTAA article lookup hint. Free-form country name.
saleValueinteger
NRI only — sale consideration in INR for §195 TDS computation.
holdingMonthsinteger
NRI only — holding period in months. ≤24 is STCG; >24 is LTCG.
indexedCostinteger
NRI only — indexed cost of acquisition (LTCG). When omitted, TDS computed on full sale value.
nroBalanceUsdnumber
NRI only — NRO account balance in USD equivalent for the repatriation cap math.
ytdRemittedUsdnumber
NRI only — FY-to-date USD already remitted under the $1M cap.
hasForm15CBboolean
NRI only — whether Form 15CB CA-attestation is already in hand.

estimate_stamp_duty_and_registration

Estimate Indian state stamp duty + registration charges on a property purchase. Supports all 28 states + 8 UTs with buyer-gender concessions, urban/rural overrides, and commercial/agricultural multipliers. Pass constructionStatus to also itemize GST (under-construction 1%/5%, ready/resale 0%) for an all-in statutory quote. Returns supported=false for states outside India (supported set named in rateBasis). Not legal/tax advice. Always surface the disclaimer.

Parameters (8)

propertyValueintegerrequired
Sale value in INR for stamp-duty calculation.
statestring
Indian state — accepts ISO code ("MH"), URL slug ("maharashtra"), or display name ("Maharashtra"). All 28 states + 8 UTs supported.
isWomanBuyerboolean
Backward-compatibility shim — prefer buyerGender. When true, internally treated as buyerGender="female".
buyerGenderstring
Buyer gender — overrides isWomanBuyer when set. "joint" = man+woman jointly owned.
propertyTypestring
Property type — applies state-specific multiplier (commercial/agricultural).
isUrbanboolean
Whether property is in an urban/metro area — gates metro-cess surcharges (e.g., Mumbai LBT, BBMP cess).
constructionStatusstring
When set, also itemizes GST: under-construction = 1% (affordable) / 5%; ready/resale = 0%. Omit → GST not computed.
carpetAreaSqftinteger
Carpet area (sqft) — with value, decides the affordable-housing 1% GST slab.

get_property_details

Fetch full public details for one AVnester listing by its listingId. Get the listingId from search_properties results first (the `listingId` field) — IDs are not guessable, so this tool is the natural follow-up to a search. AVnester's catalog is currently Coimbatore-only; unknown or unpublished IDs return { listing: null, notFound: true } (never throws, to avoid leaking existence). Use when the user references a specific listing. Read-only, no side effects.

Parameters (1)

listingIdstringrequired
AVnester listingId, as returned in search_properties results (the `listingId` field). IDs are not guessable — call search_properties first. Also the trailing segment of a listing sourceUrl.

compare_properties

Compare 2–5 AVnester listings by listingId, side-by-side. Get IDs from search_properties first (not guessable). If the user has more than 5 candidates ("compare all"), pick the most relevant 5 (cheapest / largest / best price-per-sqft) and say so. Returns each listing plus pricePerSqft, vsCheapestPercent (0 = cheapest), vsLargestAreaPercent (0 = largest). Coimbatore-only; unknown IDs return not_found_or_unpublished. Does NOT recommend a purchase. Always surface the disclaimer field.

Parameters (1)

listingIdsarrayrequired
2–5 AVnester listingIds (from search_properties results) to compare. IDs are not guessable — call search_properties first. Order is preserved in the output.

get_property_decision_intelligence

Assess whether a buyer can afford a specific Indian home — ONE verdict (AFFORDABLE / STRETCH / NOT_YET / INELIGIBLE) combining indicative eligibility (FOIR/LTV/CIBIL), EMI, true cash-to-close (down payment + stamp duty + registration + itemized GST), regime-aware tax, and an indicative lender-fit triage. Mode A: listingId (Coimbatore catalog). Mode B: propertyValue + state (any Indian state). NOT a loan approval, offer, or advice. Always surface the disclaimer.

Parameters (21)

listingIdstring
AVnester listingId (Coimbatore catalog). Listing mode — do NOT also pass propertyValue (rejected) or state (ignored).
propertyValueinteger
Property price in INR (manual mode). Pass with state; not with listingId.
statestring
Indian state (ISO "MH"/slug/name) for stamp duty. Required in manual mode; ignored in listing mode.
assetTypestring
"home" (flat/villa/house) or "plot" (bare land); manual mode only. Plot → shorter tenure, no home-loan tax benefit.
monthlyNetIncomeintegerrequired
Buyer monthly take-home income in INR.
existingMonthlyEmisinteger
Existing monthly loan EMIs in ₹ (car/personal/cards). Omitted → assumed ₹0, which can inflate eligibility and flip the verdict — ask the buyer.
coApplicantMonthlyIncomeinteger
Co-applicant monthly income (joint affordability).
savingsAvailableinteger
Liquid cash for down payment + charges — enables the cash-gap calc.
cibilScoreinteger
Numeric CIBIL score. Omit → eligibility stays indicative.
employmentTypestring
Employment type (affects tax standard deduction).
residencyStatusstring
Residency status.
buyerGenderstring
Buyer gender — affects stamp duty in states with a women concession.
occupancyIntentstring
Self-occupied vs let-out — changes §24(b) interest treatment. Omitted → self-occupied.
annualRentinteger
Annual rent received (let-out).
jointLoanboolean
Joint home loan — doubles 80C/24b caps (equal split).
isUnderConstructionboolean
Under-construction → GST applies; ready-to-move → no GST. Omitted → ready-to-move (no GST).
carpetAreaSqftinteger
Carpet area (sqft) — sharpens the affordable-housing GST test (with the ₹45L value cap).
isUrbanboolean
Urban/metro — gates metro-cess surcharges in stamp duty.
interestRatePercentnumber
Override annual interest rate. Defaults to indicative market rate.
tenureYearsinteger
Loan tenure in years. Defaults to 20.
annualIncomeForTaxinteger
Annual income for tax. Defaults to monthlyNetIncome × 12.

Install

claude_desktop_config.json

{
  "mcpServers": {
    "property-intelligence": {
      "command": "npx",
      "args": [
        "-y",
        "mcp-remote",
        "https://mcp.avnester.com/public-mcp"
      ]
    }
  }
}

Desktop config is stdio-only; this bridges via mcp-remote. Native remote: Settings > Connectors.