{"name":"cz.rychlahypo/mortgages","slug":"rychlahypo-mortgages","title":"Rychlá Hypo – Czech mortgages","description":"Czech mortgage rates, payment comparison and max loan per bank for 6 major Czech banks.","url":"https://mcp.market/server/rychlahypo-mortgages","rating":null,"grade":"A","score":87,"certified":false,"status":"active","category":"finance","tags":["finance"],"presence":{"score":23,"stars":0,"forks":0,"downloads_week":null,"last_push_at":"2026-09-27T21:22:40.000Z","license":null},"uptime":{"percent":100,"checks":28,"ok":28,"last_checked_at":"2026-11-04T04:35:42.739Z","last_ok_at":"2026-11-04T04:35:42.739Z","latency_ms":669},"claimed":false,"transport":"remote","callable_via_gateway":true,"default_price_micros":0,"repository":"https://github.com/emil-asistent/rychlahypo-mcp","website":"https://rychlahypo.cz/api-dokumentace","version":"1.0.1","remotes":[{"type":"streamable-http","url":"https://rychlahypo.cz/mcp"}],"packages":[],"tools":[{"name":"calculate_max_mortgage","description":"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.","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"applicants":{"type":"array","minItems":1,"maxItems":4,"items":{"type":"object","required":["age"],"additionalProperties":true,"properties":{"age":{"type":"number","description":"Age in years."},"income_type":{"type":"string","default":"employee","enum":["employee","osvc_vydpausal","osvc_skutecne","osvc_paus","sro","rental","dpp","dpc","pension","parental","ppm","dividends","vysluha"],"description":"Main income: employee = employment; osvc_vydpausal = self-employed with flat-rate expenses; osvc_skutecne = self-employed with actual expenses; osvc_paus = flat tax (paušální daň); sro = company owner; rental; dpp/dpc = side contracts; pension; parental = parental allowance; ppm = maternity; dividends; vysluha = service pension."},"net_income":{"type":"number","description":"Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base."},"contract":{"type":"string","enum":["indefinite","fixed","probation","notice"],"description":"Employment contract type."},"months_employed":{"type":"number","description":"Months at current employer."},"annual_revenue":{"type":"number","description":"Self-employed: annual revenue from the last tax return (row 101/113), CZK."},"annual_tax_base":{"type":"number","description":"Self-employed: annual tax base from the last tax return, CZK."},"flat_expense_rate":{"type":"number","description":"Self-employed flat-rate expenses as a fraction: 0.4, 0.6 or 0.8."},"pension_type":{"type":"string","enum":["starobni","invalidni","vdovsky","sirotci"],"description":"For income_type=pension: old-age, disability, widow's, orphan's."},"secondary_income_type":{"type":"string","description":"Optional second income of the same applicant (same codes as income_type)."},"secondary_net_income":{"type":"number","description":"Net monthly amount of the secondary income, CZK."},"residence":{"type":"string","enum":["cr","eu","third_stable","third_risky"],"default":"cr","description":"Residency: Czech, EU/EEA, stable third country, other."}}},"description":"1–4 applicants (household members who will be borrowers)."},"children":{"type":"number","minimum":0,"default":0,"description":"Number of dependent children (counted as 6–15 years old). For precise living costs send children_ages instead."},"children_ages":{"type":"array","items":{"type":"number","minimum":0,"maximum":26},"description":"Ages of dependent children, e.g. [3, 9]. Overrides children."},"married":{"type":"boolean","description":"Applicants are spouses with joint property (SJM)."},"purpose":{"type":"string","enum":["koupe","refinancovani","stavba","rekonstrukce","neucelova","vyporadani"],"default":"koupe","description":"Purpose: purchase, refinancing, construction, renovation, non-purpose (American mortgage), settlement."},"property_type":{"type":"string","enum":["byt","dum","coop","land","rekreacni","commercial"],"description":"Flat, house, cooperative flat, land, recreational, commercial."},"property_value":{"type":"number","description":"Property price in CZK. Without it the result is the income-based maximum only."},"requested_loan":{"type":"number","description":"Specific loan amount to assess (approved yes/no per bank). Omit to get the maximum per bank."},"own_funds":{"type":"number","description":"Own funds / savings in CZK."},"term_years":{"type":"number","minimum":1,"maximum":40,"default":30},"fixation":{"type":"string","enum":["1R","3R","5R","7R","10R"],"default":"3R","description":"Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too."},"region":{"type":"string","enum":["praha","regional","small"],"default":"regional","description":"Prague, other larger town, small municipality (affects living costs)."},"loan_payments":{"type":"number","default":0,"description":"Monthly payments of all existing loans and leasing, CZK."},"existing_debt_balance":{"type":"number","default":0,"description":"Outstanding principal of all existing loans, CZK (DTI limit)."},"credit_card_limits":{"type":"number","default":0,"description":"Sum of credit card limits, CZK."},"overdraft_limits":{"type":"number","default":0,"description":"Sum of overdraft limits, CZK."},"alimony_paid":{"type":"number","default":0,"description":"Monthly alimony paid, CZK."},"housing_cost":{"type":"number","default":0,"description":"Monthly housing cost that continues after the purchase (e.g. rent), CZK."},"investment":{"type":"boolean","default":false,"description":"Buy-to-let / third or further residential property (LTV 70 %, DTI 7)."}},"required":["applicants"],"additionalProperties":true}},{"name":"compare_mortgages","description":"Compare the monthly payment, interest rate, RPSN (APRC), total cost and interest of a given mortgage amount across 6 Czech banks, sorted from cheapest. Applies each bank's LTV and small-loan surcharges and limits. Use for 'which bank is cheapest for X CZK'.","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"loan_amount":{"type":"number","minimum":100000,"description":"Mortgage amount in CZK."},"property_value":{"type":"number","minimum":0,"description":"Property price or valuation in CZK. Used for LTV surcharges and bank LTV limits. Optional."},"term_years":{"type":"number","minimum":5,"maximum":40,"default":30,"description":"Repayment term in years."},"fixation":{"type":"string","enum":["1R","3R","5R","7R","10R"],"default":"3R","description":"Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too."},"all_applicants_under_36":{"type":"boolean","default":false,"description":"True if every applicant is younger than 36 (UniCredit waives the 81–90 % LTV surcharge)."}},"required":["loan_amount"],"additionalProperties":false}},{"name":"get_advisor_contact","description":"How the user can get a binding assessment and have the mortgage arranged for free by a licensed Czech mortgage intermediary (Rychlá Hypo). Returns phone, e-mail and links.","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{},"additionalProperties":false}},{"name":"get_mortgage_rates","description":"Current published mortgage rates of 6 major Czech banks (Česká spořitelna, ČSOB, Komerční banka, UniCredit Bank, Raiffeisenbank, mBank) by fixation period, with LTV surcharges, limits and fees. Source: Rychlá Hypo (rychlahypo.cz), rates verified in the banks' calculators.","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"fixation":{"type":"string","enum":["1R","3R","5R","7R","10R"],"default":"3R","description":"Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). 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