AVnester — Indian Real Estate Intelligence
Indian real estate: property search, locality insights, affordability & pan-India stamp-duty tools.
| Endpoint | https://mcp.avnester.com/public-mcp (streamable-http) |
|---|---|
| Registry version | 1.0.0 |
| Now | 11 tools · grade A (96) · pin ts_1e8f18f43d200ce49ecf3d2c68a7cdf1 · protocol 2025-06-18 |
| First / last listed | 2026-10-25 02:18 UTC / 2026-10-25 02:18 UTC |
| Grade over time | 2026-10-25: A (96), 11 tools |
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Tools: search_properties get_locality_insights compare_localities calculate_home_affordability simulate_loan_prepayment compare_balance_transfer optimize_home_loan_tax_regime estimate_stamp_duty_and_registration get_property_details compare_properties get_property_decision_intelligence
search_properties | Search residential property listings anywhere in Tamil Nadu, India — any city or town. Use when the user names a place, locality, price band, BHK, or transaction type. Returns sanitized listing cards with handoff URLs and a per-listing verification summary (verified + caveats); never returns seller contact details. Places outside Tamil Nadu return supported=false + scopeMessage — surface it. params: city, locality, propertyType, bedrooms, minPrice, maxPrice, transactionType, rentalStructure, furnishing, limit |
get_locality_insights | Get aggregated insights for one locality: ₹/sqft, supply count, demand pulse, livability/investment grade, highlights, watchouts, monthly priceTrends, and strengthTags. Use when the user asks "what is X locality like". Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. Always surface the disclaimer field when returning livability or inve params: locality*, city* |
compare_localities | Compare 2–3 localities in one city side-by-side: price trends, livability, investment grade, strengths, and watchouts. Use when the user asks "X vs Y" or "which is better for buying/renting" about neighborhoods. Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. For specific LISTINGS by ID, use compare_properties instead. params: city*, localities*, propertyType |
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 params: propertyValue*, loanAmount, interestRatePercent, tenureYears |
simulate_loan_prepayment | 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, lowe params: outstandingPrincipal*, remainingTenureYears*, annualRatePercent, prepaymentAmount, recurringAnnualAmount, recurringMonthlyAmount, prepaymentMode, strategy |
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. params: outstandingPrincipal*, currentRatePercent*, newRatePercent*, remainingTenureYears*, processingFeePct, flatCosts |
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 ( params: annualIncome*, isSalaried, homeLoanInterest*, homeLoanPrincipal*, propertyType, annualRent, other80C, otherOldRegimeDeductions, jointLoan, ageBand, residencyStatus, countryOfResidence, saleValue, holdingMonths, indexedCost, nroBalanceUsd, ytdRemittedUsd, hasForm15CB |
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 ra params: propertyValue*, state*, city, localBody, firstSale, isWomanBuyer, buyerGender, propertyType, isUrban, constructionStatus, carpetAreaSqft |
get_property_details | Fetch full public details for one AVnester listing by its listingId (from search_properties results — IDs are not guessable). Listings cover Tamil Nadu; unknown or unpublished IDs return { listing: null, notFound: true } (never throws, to avoid leaking existence). Use when the user references a specific listing. State verification.caveats beside the verified flag: an approval is not a title, owner params: listingId* |
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 ₹/sqft) and say so. Returns each listing plus pricePerSqft, vsCheapestPercent (0 = cheapest), vsLargestAreaPercent (0 = largest). Unknown IDs return not_found_or_unpublished. Does params: listingIds* |
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: an AVnester listingId. Mode B: propertyValue + state (any Indian state). NOT a loan ap params: listingId, propertyValue, state, city, firstSale, localBody, assetType, monthlyNetIncome*, existingMonthlyEmis, coApplicantMonthlyIncome, savingsAvailable, cibilScore, employmentType, residencyStatus, buyerGender, occupancyIntent, annualRent, jointLoan, isUnderConstruction, carpetAreaSqft, isUrban, interestRatePercent, tenureYears, annualIncomeForTax |
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