smarter-loan.com

{
  "name": "calculateMortgage",
  "kind": "act",
  "impl": "imperative",
  "description": "Calculate a mortgage scenario. Returns a compact summary by default; request bounded yearly or monthly detail when needed.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "principal": {
        "type": "number",
        "description": "Loan amount",
        "minimum": 0.01
      },
      "annualInterestRate": {
        "type": "number",
        "description": "Single annual percentage rate. Use interestRatePeriods for changing rates.",
        "minimum": 0,
        "maximum": 100
      },
      "interestRatePeriods": {
        "type": "array",
        "description": "Rate changes, each with a zero-based startMonth and annual percentage interestRate.",
        "items": {
          "type": "object",
          "properties": {
            "startMonth": {
              "type": "number",
              "minimum": 0
            },
            "interestRate": {
              "type": "number",
              "minimum": 0,
              "maximum": 100
            }
          },
          "required": [
            "startMonth",
            "interestRate"
          ]
        }
      },
      "loanTermYears": {
        "type": "number",
        "minimum": 1,
        "maximum": 50
      },
      "currency": {
        "type": "string",
        "enum": [
          "USD",
          "EUR",
          "GBP",
          "JPY",
          "CAD",
          "AUD",
          "CHF",
          "PLN"
        ]
      },
      "repaymentModel": {
        "type": "string",
        "enum": [
          "equalInstallments",
          "decreasingInstallments",
          "custom"
        ]
      },
      "startDate": {
        "type": "string",
        "description": "Loan start date in ISO 8601 format."
      },
      "fees": {
        "type": "object",
        "description": "Optional origination, insurance, and administration fees."
      },
      "overpayments": {
        "type": "array",
        "description": "Optional scheduled overpayments."
      },
      "detail": {
        "type": "string",
        "description": "Response detail level. Monthly requires scheduleStartMonth and scheduleEndMonth.",
        "enum": [
          "summary",
          "yearly",
          "monthly"
        ]
      },
      "scheduleStartMonth": {
        "type": "number",
        "minimum": 1
      },
      "scheduleEndMonth": {
        "type": "number",
        "minimum": 1
      }
    },
    "required": [
      "principal",
      "loanTermYears"
    ]
  }
}

{
  "name": "get_current_scenario",
  "kind": "answer",
  "impl": "imperative",
  "description": "Read the scenario currently shown in the mortgage calculator. Does not change the page.",
  "inputSchema": {
    "type": "object",
    "properties": {}
  }
}

{
  "name": "apply_mortgage_scenario",
  "kind": "act",
  "impl": "imperative",
  "description": "Replace the calculator inputs with a new mortgage scenario after the user confirms.",
  "inputSchema": {
    "type": "object",
    "description": "Same scenario fields accepted by calculateMortgage."
  }
}