Austria Property

io.github.mastalier1997由 GitHub 帳號 mastalier1997 發布v0.6.0更新於 Nov 1, 2026

Austrian property costs, buy-to-let underwriting, income tax and rent caps, cited to the statute

已驗證Streamable HTTP可網頁執行金融商業與電商

概覽

AI 產生的概覽

計算奧地利住宅購屋附加成本與出租投資報酬，每項法定數值都標註法律依據。

可以做什麼
  • 估算房價以外的附加成本：不動產移轉稅、土地登記法院費用、經法定上限檢核的仲介佣金、契約費用
  • 分析出租型不動產：貸款月付、稅前與稅後現金流、毛/淨報酬率、現金報酬率、DSCR、損益兩平租金、MRG 租金管制適用性、折舊及 25 年 Liebhaberei 檢查
  • 列出計算所用的法定數值與預設假設，含法律依據、來源與查核日期
  • 回傳簡短摘要加 JSON，預設精簡，可要求輸出完整計算明細
適用情境
評估奧地利住宅購買或出租投資，需要一致且有法條依據的成本與報酬數字時使用。也適合查詢某一估價日期適用的稅費與租金管制規則。
執行需求
可使用託管的 streamable HTTP 端點（免安裝），或透過 npx 在本機執行，需要 Node.js 20 以上版本。未宣告需要帳號、API 金鑰或環境變數。
安裝前請注意
結果僅為計算，不構成投資、稅務或法律建議。所得稅預設採固定邊際稅率（除非提供其他應稅所得），且忽略稅額抵減；租金、成本與利率視為不變。租金管制結論依建築資訊估算，Richtwert 上限不含加價與減項，行動前應自行核實。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 Austria Property，將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable，透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式，或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南，先向你展示發布者、端點和登入方式，經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/io.github.mastalier1997%2Faustria-property/install.md，並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前，先告訴我它的發布者、端點和登入方式，等我確認。不要把 API 金鑰寫進命令或我會提交的檔案；問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "mcpServers": {
    "austria-property": {
      "type": "http",
      "url": "https://austria-property-mcp.jan-mastalier.workers.dev/mcp"
    }
  }
}

README

austria-property-mcp

An MCP server for Austrian residential property. It gives AI agents deterministic calculations in which every statutory number cites its legal source (RIS):

ToolWhat it does
estimate_acquisition_costsCosts on top of the purchase price: Grunderwerbsteuer, land-register court fees, broker commission with a check against the legal maximum, contract costs
underwrite_propertyBuy-to-let analysis: acquisition costs, loan payment, monthly cash flow before and after income tax, yields, DSCR, break-even rent, whether MRG rent caps apply and the Richtwert cap, depreciation (AfA) with the legal land share, a 25-year Liebhaberei check, risk flags
get_rulesThe statutory values and default assumptions behind the numbers, with legal basis, source links and verification dates

Rules are versioned by date (for example the court-fee changes of 1 August 2026), covering valuation dates from 2025-04-01 to 2027-12-31.

Use it

Claude Code:

bash
claude mcp add austria-property -- npx -y austria-property-mcp

On native Windows, wrap npx: claude mcp add austria-property -- cmd /c npx -y austria-property-mcp.

Claude Desktop and other MCP clients (claude_desktop_config.json or equivalent):

json
{  "mcpServers": {    "austria-property": {      "command": "npx",      "args": ["-y", "austria-property-mcp"]    }  }}

Requires Node.js 20 or later.

Hosted endpoint (no install; stateless streamable HTTP):

bash
claude mcp add --transport http austria-property-hosted https://austria-property-mcp.jan-mastalier.workers.dev/mcp

Example question

Underwrite this listing: €269,000, 54 m² Eigentumswohnung built 1978, rent €795 plus €132 Betriebskosten, 65% loan at 3.9% over 25 years.

The agent gets a short summary followed by the result as JSON. Excerpt of the summary (rules as of 2026-10-26; no reserve fund given, so the statutory minimum is used):

text
Purchase: €269,000.00 + acquisition costs €29,659.00 (11.03%) = €298,659.00; equity €123,809.00.Loan: €174,850.00 at 3.9% over 25 years = €913.30 a month (LTV 65%).Monthly: net cold rent €795.00 − vacancy and rent loss €37.08 − repair reserve contribution (statutory minimum) €60.48 − owner's maintenance €49.78 = NOI €647.66; cash flow before tax -€265.64.Returns: gross yield 3.55%, net yield 2.6%, cash-on-cash -2.57%, DSCR 0.71.Break-even rent: €1,071.71 (€19.85 per m²).Rent regulation (MRG): partial. Only parts of the MRG apply, so there is no statutory rent cap (estimated from the build year; confirm the Baubewilligung date). Tenancy protection and minimum fixed terms still apply.
Income tax: flat 40% marginal rate. AfA on €177,558.60 building value (land share 40%), 4.5% in year 1, 3% in year 2, then 1.5%....Liebhaberei (25 years): total surplus from year 21, cumulative €17,857.41.

The summary goes on with after-tax cash flow for years 1–5 and flags for every assumption used. The JSON is compact by default (key figures, flags, deduplicated citations); pass "detail": "full" for every line with its calculation and legal basis.

Limits

  • Calculations only, not investment, tax or legal advice.
  • Income tax uses a flat marginal rate, or the exact § 33 tariff when the other taxable income is given; tax credits are ignored. Rent, costs and interest are held constant.
  • The rent-regulation check uses building size, permit dates and public funding. The Richtwert cap is the base amount; surcharges and deductions (Zuschläge/Abschläge) and the angemessener Mietzins are not computed.

Rule catalogue and sources: docs/rules.md.

License

AGPL-3.0-only. Source: github.com/mastalier1997/austria-property-mcp.

來源：packages/mcp-server/README.md，提交 d45f33d

工具

3

estimate_acquisition_costs

Austrian property purchase costs

Calculate the one-off costs of buying residential property in Austria on top of the price (Kaufnebenkosten): real estate transfer tax (Grunderwerbsteuer), land-register court fees, broker commission with a check against the legal maximum, and lawyer/notary contract costs, each with VAT where it applies. Use when someone asks what buying a specific flat or house in Austria costs in total. The JSON lists the cited legal bases and sources once; pass detail "full" for every line item with its calculation and its own citations. Amounts in EUR. Not covered: bank or valuation fees, purchases within the family, exemptions for a primary residence.

輸入參數broker必填detailfinancingassumptionspurchasePrice必填valuationDate

underwrite_property

Underwrite an Austrian buy-to-let purchase

Analyse an Austrian residential property as a rental investment: acquisition costs, annuity loan payment, monthly cash flow before and after income tax, gross and net yield, cash-on-cash return, debt cover (DSCR), break-even rent, whether statutory rent caps (MRG) apply and the Richtwert cap, depreciation (AfA) with the legal land share, a 25-year Liebhaberei check, and risk flags. Use when evaluating whether a specific flat or house is a good buy-to-let deal. Inputs in EUR; rents and owner costs are monthly and net of VAT. Pass what you know: missing facts fall back to documented assumptions and are flagged. The JSON is compact by default (key figures, flags, citations); pass detail "full" for every line, the tax years and the rules used. Not covered: rent increases or interest-rate changes over time, tax credits, Richtwert surcharges and deductions (Zuschläge/Abschläge).

輸入參數taxrent必填broker必填detailpropertyfinancingownerCostsassumptionspurchasePrice必填valuationDate

get_rules

Statutory rules and assumptions

List the statutory values the engine uses on a date (tax and fee rates, broker caps, minimum repair reserve, MRG cut-off dates, Richtwerte per state, AfA rates, land shares, income tax brackets), each with legal basis, source URL and the date it was last verified, plus the default assumptions and risk thresholds. Use to cite sources or to explain how a number was calculated.

輸入參數date

版本歷史

2
  1. v0.6.0最新Oct 18, 2026
  2. v0.3.0Oct 18, 2026

評分

已滿足適用檢查項的 100%

該評分衡量此收錄條目的完整程度，依據註冊中心條目、端點與公開來源計算得出。它不是對伺服器本身的評價，也不表示伺服器安全或目前可用：可連通性是帶日期的檢查結果，評分也不包含安裝量或使用者評價。

  • 近 30 天內可連通必需25 分
  • 已宣告認證方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 圖示10 分
  • 文件15 分
  • 授權條款10 分