Rychlá Hypo – Czech mortgages

cz.rychlahypoPublished by rychlahypo.czOfficial publisherv1.0.1Updated Oct 24, 2026

Czech mortgage rates, payment comparison and max loan per bank for 6 major Czech banks.

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

Remote MCP server giving assistants current Czech mortgage rates, monthly payment comparisons and maximum loan estimates across six major Czech banks.

What you can do
Look up current published mortgage rates by fixation period, with APRC, LTV surcharges, limits and fees for six Czech banks. Compare monthly payment, APRC, total cost and total interest for a given loan amount, sorted from cheapest. Estimate how much each bank will lend, or whether a requested amount is approved, from income, expenses, debts and property. Get contact details for a free, binding assessment through a licensed Czech mortgage intermediary.
When to use it
Useful when answering questions about Czech mortgage rates, comparing repayments between the six largest Czech banks, or estimating borrowing capacity under each bank's own credit methodology.
Requirements
Remote Streamable HTTP endpoint; no authentication, no API key and no environment variables. Free, limited to 20 requests per minute per IP. Network access to the provider's endpoint is required.
Before you install
Results are indicative, not a bank offer or financial advice. The terms require showing the APRC at least as prominently as any rate and citing the provider as source; reselling results, building a competing comparison, bulk harvesting and reconstructing the methodology are not allowed. The advisor contact tool promotes a commercial intermediary service. The calculation engine is hosted and not open source.

Installation

In SourceWeft

  1. Open Rychlá Hypo – Czech mortgages in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/cz.rychlahypo%2Fmortgages/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "rychl-hypo-czech-mortgages": {
      "type": "http",
      "url": "https://rychlahypo.cz/mcp"
    }
  }
}

README

Rychlá Hypo MCP server – Czech mortgages

Remote MCP server with Czech mortgage data for AI assistants and agents. It answers questions like "What mortgage rate can I get in the Czech Republic?" or "How much will a Czech bank lend me on a 60 000 CZK net income?" for the six largest Czech mortgage banks: Česká spořitelna, ČSOB, Komerční banka, UniCredit Bank, Raiffeisenbank and mBank.

This repository only documents the hosted server. The calculation engine runs on rychlahypo.cz and is not open source.

Tools

ToolWhat it does
get_mortgage_ratesCurrent offered rates of 6 Czech banks by fixation period (1, 3, 5, 7, 10 years) with APRC (RPSN), LTV surcharges, limits and fees. Verified daily in the banks' calculators.
compare_mortgagesMonthly payment, APRC, total cost and total interest of a given loan at each bank, sorted from cheapest.
calculate_max_mortgageHow much each bank will lend, or whether a requested amount gets approved, from household income, debts, children and property. Uses each bank's own credit methodology (DSTI, DTI, LTV, living costs, income recognition).
get_advisor_contactHow to get a binding assessment and free arrangement with a licensed mortgage intermediary.

No personal data is needed (ages and amounts only) and nothing is stored.

Connect

Claude Code

bash
claude mcp add --transport http rychlahypo https://rychlahypo.cz/mcp

Claude.ai / Claude Desktop, ChatGPT (developer mode) – add a custom connector with URL https://rychlahypo.cz/mcp.

Cursor, VS Code, Windsurf and other clients

json
{  "mcpServers": {    "rychlahypo": { "url": "https://rychlahypo.cz/mcp" }  }}

Example

bash
curl -s -X POST https://rychlahypo.cz/mcp -H 'Content-Type: application/json' -d '{  "jsonrpc": "2.0", "id": 1, "method": "tools/call",  "params": { "name": "compare_mortgages",    "arguments": { "loan_amount": 4000000, "property_value": 5000000, "term_years": 30, "fixation": "3R" } } }'

Terms

Free to use for showing results to people in AI assistants, apps and websites. When you show a rate, show the APRC (RPSN) at least as prominently (Czech consumer credit law, § 91 of Act No. 257/2016 Coll.) and cite Rychlá Hypo (https://rychlahypo.cz) as the source. Reselling results, building a competing mortgage comparison on top of the API, bulk harvesting and reconstructing the methodology are not allowed. Results are indicative, not a bank offer or financial advice.

Rychlá Hypo is operated by Kurdiovsky s.r.o. Mortgages are arranged by Jan Kurdiovský, tied agent of SAB servis s.r.o., registered with the Czech National Bank. Contact: [email protected]

Česky

Veřejný MCP server Rychlé Hypo: aktuální sazby hypoték 6 bank s RPSN, srovnání splátek a kolik vám která banka půjčí podle své metodiky. Zdarma, bez klíče a bez osobních údajů. Dokumentace: https://rychlahypo.cz/api-dokumentace

Source: README.md at commit 000a3d1

Tools

4

get_mortgage_rates

Aktuální sazby hypoték 6 bank

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.

Parametersfixation

compare_mortgages

Srovnání splátek hypotéky u 6 bank

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 product limits (not creditworthiness). Above 80 % LTV banks lend only if all applicants are under 36 (set all_applicants_under_36). Use for 'which bank is cheapest for X CZK'.

Parametersfixationterm_yearsloan_amountrequiredproperty_valueall_applicants_under_36

calculate_max_mortgage

Kolik mi která banka půjčí

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.

Parametersregionmarriedpurposechildrenfixationown_fundsapplicantsrequiredinvestmentterm_yearsalimony_paidhousing_costchildren_ages+7 more

get_advisor_contact

Kontakt na hypotečního specialistu

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.

Takes no parameters.

Version history

1
  1. v1.0.1LatestSep 27, 2026

Score

90% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts

    Declare a license in the repository or the registry entry.