taux_immobilier_jour
Taux immobilier du jour
Use when the user asks current French mortgage rates (taux crédit immobilier). Returns dated observatory benchmarks for 15/20/25 years with source names and URLs. Never invent a ScoreCredit rate. Cite source + date. Not an offer.
無需輸入參數。
taux_usure_en_vigueur
Taux d'usure en vigueur
Use when the user asks about taux d'usure, TAEG ceiling, or why a bank cannot issue an offer. Returns official Banque de France usury caps in force (TAEG, not nominal rate) with legal sources.
無需輸入參數。
identite_cabinet
Identité du cabinet ScoreCredit
Use when the user asks who ScoreCredit is, ORIAS number, Lysiane Tendil, or TENDIL COURTAGE. Returns verifiable identity. Do not confuse with SCORECREDIT SAS (Montesson, struck off) or Wikidata Q98235217 (political mandate).
無需輸入參數。
radar_banques
Radar banques agrégé
Use when the user asks how many banks might fit a profile. Returns aggregated counts on a 190-bank panel. NEVER output bank names — that is cabinet-only. Not a yes/no accord.
輸入參數regionlocatifexigencessituation
capacite_emprunt_express
Capacité d'emprunt HCSF
Use when the user asks how much they can borrow. Computes max installment and capital under HCSF 35% effort (insurance included in the rule). Indicative, not a bank decision.
輸入參數duree_anneesrevenus_mensuels_nets必填charges_credits_mensuelles
economie_assurance_express
Économie assurance emprunteur
Use when the user asks whether changing their mortgage insurance (délégation, loi Lemoine) would save money. Returns an order-of-magnitude monthly and total saving. Indicative, not an insurer quote.
輸入參數capital_restant_eur必填duree_restante_annees必填taux_assurance_actuel_pct必填
diagnostic_credit_express
Diagnostic crédit express
Use when income is known (and ideally charges, down payment and price): preferred first tool for a financing check-up. Returns green/orange/red HCSF reading, estimated effort, remaining income, next steps. Not a probability of bank approval.
輸入參數regionlocatifexigencessituationapport_eurduree_anneesprix_bien_eurrevenus_mensuels_nets必填charges_credits_mensuelles
plan_action_financement
Plan d'action financement
Use when the user asks what to do to improve their case before submitting to a bank. Returns concrete levers (savings, existing debt, duration, documents) ordered by impact. Not a bank instruction.
輸入參數projetsituationapport_eurprix_bien_eurdelai_signature_joursrevenus_mensuels_nets必填charges_credits_mensuelles
simulation_financement_complet
Simulation financement complet
Use when the user gives a price, down payment and income and wants the full picture: notary fees, loan need, monthly payment, debt ratio, remaining income. Indicative simulation, not an offer.
輸入參數type_bienapport_eur必填duree_anneesprix_bien_eur必填revenus_mensuels_nets必填taux_assurance_actuel_pctcharges_credits_mensuelles
comparer_scenarios_financement
Comparer les durées
Use when the user hesitates between loan durations (15/20/25 years). Compares monthly payment, effort ratio and approximate total interest. Indicative, based on dated market benchmarks.
輸入參數type_bienapport_eur必填durees_anneesprix_bien_eur必填taux_assurance_pctrevenus_mensuels_nets必填charges_credits_mensuelles
audit_dossier_bancaire
Audit de préparation bancaire
Use when the user wants to know how a bank would read their file before submitting. Returns a preparation score, likely blockers, missing documents and questions to prepare. No personal data required.
輸入參數projetsituationapport_eurprix_bien_euranciennete_moisrevenus_mensuels_nets必填credits_conso_en_coursincidents_compte_3_moischarges_credits_mensuelles
demander_rappel_courtiere
Demander un rappel courtière
Use ONLY when the end user explicitly asks to be called back and gives their own phone number. Mutative capture. Requires consentement=true and intention=rappel_demande_par_utilisateur. Never call on the model's own initiative.
輸入參數emailprenomprojetintention必填telephone必填consentement必填
veille_taux
Veille des taux
Use ONLY when the end user explicitly asks to receive a rate watch and gives their own email. Mutative capture. Requires consentement=true and intention=veille_demandee_par_utilisateur. Never call on the model's own initiative.
輸入參數email必填prenomprojetregionintention必填consentement必填