Assess whether a buyer can afford a specific Indian home — ONE verdict (AFFORDABLE / STRETCH / NOT_YET / INELIGIBLE) combining indicative eligibility (FOIR/LTV/CIBIL), EMI, true cash-to-close (down payment + stamp duty + registration + itemized GST), regime-aware tax, and an indicative lender-fit triage. Mode A: listingId (Coimbatore/Chennai catalog). Mode B: propertyValue + state (any Indian state). NOT a loan approval, offer, or advice. Always surface the disclaimer.
after · 93% of words in common
Assess whether a buyer can afford a specific Indian home — ONE verdict (AFFORDABLE / STRETCH / NOT_YET / INELIGIBLE) combining indicative eligibility (FOIR/LTV/CIBIL), EMI, true cash-to-close (down payment + stamp duty + registration + itemized GST), regime-aware tax, and an indicative lender-fit triage. Mode A: an AVnester listingId. Mode B: propertyValue + state (any Indian state). NOT a loan approval, offer, or advice. Always surface the disclaimer.
Compare 2–5 AVnester listings by listingId, side-by-side. Get IDs from search_properties first (not guessable). If the user has more than 5 candidates ("compare all"), pick the most relevant 5 (cheapest / largest / best price-per-sqft) and say so. Returns each listing plus pricePerSqft, vsCheapestPercent (0 = cheapest), vsLargestAreaPercent (0 = largest). Covers Coimbatore and Chennai; unknown IDs return not_found_or_unpublished. Does NOT recommend a purchase. Always surface the disclaimer.
after · 84% of words in common
Compare 2–5 AVnester listings by listingId, side-by-side. Get IDs from search_properties first (not guessable). If the user has more than 5 candidates ("compare all"), pick the most relevant 5 (cheapest / largest / best ₹/sqft) and say so. Returns each listing plus pricePerSqft, vsCheapestPercent (0 = cheapest), vsLargestAreaPercent (0 = largest). Unknown IDs return not_found_or_unpublished. Does NOT recommend a purchase. Show verification.caveats with verified. Always surface the disclaimer.
Fetch full public details for one AVnester listing by its listingId. Get the listingId from search_properties results first (the `listingId` field) — IDs are not guessable, so this tool is the natural follow-up to a search. AVnester's catalog covers Coimbatore and Chennai; unknown or unpublished IDs return { listing: null, notFound: true } (never throws, to avoid leaking existence). Use when the user references a specific listing. Read-only, no side effects.
after · 59% of words in common
Fetch full public details for one AVnester listing by its listingId (from search_properties results — IDs are not guessable). Listings cover Tamil Nadu; unknown or unpublished IDs return { listing: null, notFound: true } (never throws, to avoid leaking existence). Use when the user references a specific listing. State verification.caveats beside the verified flag: an approval is not a title, ownership or encumbrance check. Read-only, no side effects.
Simulate prepaying / repaying an Indian home loan early. Pure deterministic math — no advice, no loan-approval claim. Use for "should I prepay", "early/part/lump-sum repayment", "pay extra each month", "reduce EMI or tenure", "interest saved", or foreclosure. Modes: one-time, recurring yearly, or a fixed extra every month (recurring_monthly). Compares reduce_tenure (keep EMI, finish early) vs reduce_emi (keep tenure, lower EMI). Always surface the disclaimer field.
after · 88% of words in common
Simulate prepaying / repaying an Indian home loan early. Deterministic math — no advice, no loan-approval claim. Use for "should I prepay", "early/part/lump-sum repayment", "pay extra each month", "reduce EMI or tenure", "interest saved", or foreclosure. Modes: one-time, recurring yearly, or a fixed extra every month. Compares reduce_tenure (keep EMI, finish early) vs reduce_emi (keep tenure, lower EMI). emi = next EMI; finalEmi = after the last prepayment. Always surface the disclaimer field.
Compare 2–3 Coimbatore or Chennai localities side-by-side: price trends, livability, investment grade, strengths, and watchouts. Use when the user asks "X vs Y" or "which is better between X and Y for buying/renting" about neighborhoods in these cities. Out-of-scope cities return supported=false; surface the scopeMessage to the user. For comparing specific LISTINGS by ID, use compare_properties instead.
after · 72% of words in common
Compare 2–3 localities in one city side-by-side: price trends, livability, investment grade, strengths, and watchouts. Use when the user asks "X vs Y" or "which is better for buying/renting" about neighborhoods. Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. For specific LISTINGS by ID, use compare_properties instead.
Get aggregated insights for a Coimbatore or Chennai locality: avg price, supply count, demand pulse, livability/investment grade, highlights, watchouts, monthly priceTrends, and strengthTags. Use when the user asks "what is X locality like" about a neighborhood in either city. Out-of-scope cities return supported=false; surface the scopeMessage to the user. Always surface the disclaimer field when returning livability or investment grade.
after · 64% of words in common
Get aggregated insights for one locality: ₹/sqft, supply count, demand pulse, livability/investment grade, highlights, watchouts, monthly priceTrends, and strengthTags. Use when the user asks "what is X locality like". Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. Always surface the disclaimer field when returning livability or investment grade.
Estimate the monthly home-loan EMI / monthly payment in India — a home-loan calculator. Deterministic math; not advice or a loan-approval claim. Two modes: pass propertyValue (80% LTV assumed) OR loanAmount for a specific loan (e.g. "₹50 lakh loan"). Use for "what would my EMI be" / "monthly payment on …". The response `assumptionNote` states the basis in plain words. Always surface the disclaimer field.
compare_balance_transferread-only
Compare staying on your current home loan vs. transferring (refinancing) to a lower rate. Pure deterministic math — no advice, no loan-approval claim. Use when the user asks "should I switch lenders / transfer my loan / refinance". Returns new EMI, interest saved over the remaining tenure, switching cost, net saving, and the breakeven month. Always surface the disclaimer field.
compare_localitiesread-only
Compare 2–3 localities in one city side-by-side: price trends, livability, investment grade, strengths, and watchouts. Use when the user asks "X vs Y" or "which is better for buying/renting" about neighborhoods. Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. For specific LISTINGS by ID, use compare_properties instead.
compare_propertiesread-only
Compare 2–5 AVnester listings by listingId, side-by-side. Get IDs from search_properties first (not guessable). If the user has more than 5 candidates ("compare all"), pick the most relevant 5 (cheapest / largest / best ₹/sqft) and say so. Returns each listing plus pricePerSqft, vsCheapestPercent (0 = cheapest), vsLargestAreaPercent (0 = largest). Unknown IDs return not_found_or_unpublished. Does NOT recommend a purchase. Show verification.caveats with verified. Always surface the disclaimer.
estimate_stamp_duty_and_registrationread-only
Estimate Indian state stamp duty + registration charges on a property purchase. Supports all 28 states + 8 UTs with buyer-gender concessions, urban/rural overrides, and commercial/agricultural multipliers. Pass constructionStatus to also itemize GST (under-construction 1%/5%, ready/resale 0%) for an all-in statutory quote. Returns supported=false for states outside India (supported set named in rateBasis). Not legal/tax advice. Always surface the disclaimer.
get_locality_insightsread-only
Get aggregated insights for one locality: ₹/sqft, supply count, demand pulse, livability/investment grade, highlights, watchouts, monthly priceTrends, and strengthTags. Use when the user asks "what is X locality like". Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. Always surface the disclaimer field when returning livability or investment grade.
get_property_decision_intelligenceread-only
Assess whether a buyer can afford a specific Indian home — ONE verdict (AFFORDABLE / STRETCH / NOT_YET / INELIGIBLE) combining indicative eligibility (FOIR/LTV/CIBIL), EMI, true cash-to-close (down payment + stamp duty + registration + itemized GST), regime-aware tax, and an indicative lender-fit triage. Mode A: an AVnester listingId. Mode B: propertyValue + state (any Indian state). NOT a loan approval, offer, or advice. Always surface the disclaimer.
get_property_detailsread-only
Fetch full public details for one AVnester listing by its listingId (from search_properties results — IDs are not guessable). Listings cover Tamil Nadu; unknown or unpublished IDs return { listing: null, notFound: true } (never throws, to avoid leaking existence). Use when the user references a specific listing. State verification.caveats beside the verified flag: an approval is not a title, ownership or encumbrance check. Read-only, no side effects.
optimize_home_loan_tax_regimeread-only
Compare a home-loan borrower's income tax under the OLD vs NEW regime (FY2026-27) and recommend which regime saves more income tax. Pure deterministic slab math — not tax advice. Use when the user asks "old or new tax regime", "home-loan tax benefit", or "section 80C / 24(b) deduction". Models §24(b) interest + §80C principal (+ joint-loan doubling); the response lists benefits it does NOT model (capital gains, HRA, etc.). Always surface the disclaimer field.
search_propertiesread-only
Search residential property listings anywhere in Tamil Nadu, India — any city or town. Use when the user names a place, locality, price band, BHK, or transaction type. Returns sanitized listing cards with handoff URLs and a per-listing verification summary (verified + caveats); never returns seller contact details. Places outside Tamil Nadu return supported=false + scopeMessage — surface it.
simulate_loan_prepaymentread-only
Simulate prepaying / repaying an Indian home loan early. Deterministic math — no advice, no loan-approval claim. Use for "should I prepay", "early/part/lump-sum repayment", "pay extra each month", "reduce EMI or tenure", "interest saved", or foreclosure. Modes: one-time, recurring yearly, or a fixed extra every month. Compares reduce_tenure (keep EMI, finish early) vs reduce_emi (keep tenure, lower EMI). emi = next EMI; finalEmi = after the last prepayment. Always surface the disclaimer field.