Homes Loan Calculator

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How to connect

Add it to any MCP client that supports remote servers.

{
  "mcpServers": {
    "homes-loan-calculator": {
      "type": "http",
      "url": "https://homesloancalculator.in/mcp"
    }
  }
}

6 tools

• emi

  Takes a loan amount, annual rate and tenure, plus optional prepayments or a rate change, and returns the monthly EMI, total interest and year-by-year schedule for an Indian home loan. Example input: {"principal":5000000,"annualRate":8.5,"years":20}

• sensitivity

  Takes a loan amount, annual rate and tenure and returns how the EMI and total interest change when the rate moves up or down by small steps. Example input: {"principal":5000000,"annualRate":8.5,"years":20}

• eligibility

  Takes net monthly income, existing EMIs, annual rate and tenure and returns the maximum EMI and home loan amount a borrower qualifies for. Example input: {"netMonthlyIncome":150000,"existingEmis":10000,"annualRate":8.5,"years":20}

• rentVsBuy

  Takes rent, price, down payment, loan terms and growth assumptions and returns the year-by-year net worth of buying against renting, with the break-even year. Example input…

• balanceTransfer

  Takes the outstanding balance, months left, current and new rates and a fee and returns both EMIs, the net saving and the break-even months of a balance transfer. Example input: {"outstanding":4000000,"remainingMonths":180,"currentRate":9.25,"newRate":8.4,"processingFee":20000}

• downPayment

  Takes a property price and returns the loan-to-value ratio, maximum loan, minimum down payment and approximate stamp duty plus registration. Example input: {"price":7500000}

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