CaLesVaut

Quality 85 / 100new

14 tools, about 6,672 tokens to load them all · tool set 74fe2df3b77b · tools last changed 2026-10-19 · checked 2026-10-20 22:55 UTC

Tool changes

• 2026-10-19home_loanadded

  France's home-loan rates this month (L'Observatoire Crédit Logement/CSA, per 15, 20 and 25 years, excluding insurance) and, as asked: what a household can borrow (income_monthly: payments, insurance included, at most 35 % of net income less its other loans, the HCSF rule), and the budget it buys with its down payment once the purchase costs are paid; what a price (or a loan amount, loan) costs a month over each length, the income it needs at 35 % and the debt ratio it makes, with a PTZ beside the bank loan (ptz, at 0 %); a rate a bank offered (offered_rate, offered_years: a nominal rate excluding insurance, not a TAEG) against the market's for that length, its monthly payment and what the difference costs over the loan; a bridge loan on the home being sold (bridge_value): its amount and monthly interest. Purchase costs: notary, guarantee and fees, 8 % of the price for a resale, 3 % for a new home (new_build), unless purchase_costs is given (0 when the developer pays them; for a plot and a build contract, about 8 % of the plot only). Insurance: 0.30 % of the loan a year unless insurance_rate says otherwise.

• 2026-10-19ptzadded

  What a first-time buyer's PTZ may be, by the rules of offers issued from 1 April 2025 to 31 December 2027 (service-public.fr, checked 15 September 2026): the commune's zone ABC (place, address, lat/lng, or zone), the household's size (persons) and revenu fiscal de référence of year N-2 (income), the operation's cost (cost: price and works, TTC) and the home (kind: new flat in a collective building, new house, an old home with works of at least 25 % of the cost in zone B2 or C, or a social home sold to its tenant): whether the income is under the zone's ceiling, the income counted (the higher of the RFR and the cost divided by 9), the income tranche (1 to 4), the share financed, the cost ceiling, the PTZ's amount, its deferral and repayment (tranche 1: 10 years deferred then 15 years; 2: 8 then 12; 3: 2 then 13; 4: 10 years without deferral) and its monthly payments. The buyer must not have owned their main home in the last 2 years (exceptions: disability, disaster, a home made uninhabitable).

• 2026-10-19rank_communesadded

  France's communes in a département (departement, e.g. "93"), a région (region, INSEE code, e.g. "11" for Île-de-France) or within radius_km of a place, ranked by the median price per m² of their recorded sales of a type (DVF, the latest 24 months), cheapest first, dearest first, by how it moved against the 24 months before (falling, rising), or by gross rental yield: each with its sales, the change, ANIL's asking rent per m² for the type, the gross yield, its population and distance. max_price_per_m2, or budget with surface, keeps the communes where that home is affordable. Paris, Lyon and Marseille by arrondissement.

• 2026-10-19appraise_listingchangeddescription
  before

  Compares a French listing's asking price with recent recorded sales (DVF) of the same type and a similar size around it (the smallest radius with enough of them): estimate with its interquartile range, gap and verdict, closest comparables (sales over 2.5 times off the median price per m² are left out as no market price), a headline such as "12 % au-dessus du marché", local price trend, the commune's main crime rates against France, its rent for the type (monthly rent for the floor area, gross yield at the asking price), its share of passoires thermiques (DPE F or G) for the type, its natural risks, its local tax rates (taxe foncière, waste tax, taxe d'habitation on second homes), its home internet (fibre and wired speeds), each mobile operator's 4G coverage level at the address (mobile_4g) and their antennas, amenities within 500 m, and the address's sea view when it has one. The estimate is the prix normal (resales without a view of the sea around) plus the premiums that apply (premiums): the energy label's discount or premium (décote/surcote DPE, resales only) when the label is known (energy, else its title and description say it: « DPE : F »), what the label fetches against the commune's mix of labels (ADEME) after the Notaires de France's « valeur verte » of 2024 resales per région and type (rates: each label's); the new-build premium (surcote neuf: what new homes sold off-plan fetch over resales in the commune, DVF 2023–2025) when the listing is new (new_build, else its title and description say so: VEFA, programme neuf, livraison prévue…), and the sun premium (surcote soleil) when the sun goes down into the sea (or the sea is seen) from its address, else when its description says so (unverified); the gap and verdict are against that total. It also gives what financing the asking price costs at France's current home-loan rates (financing: L'Observatoire Crédit Logement/CSA's latest month, per 15, 20 and 25 years: rate, monthly payment, total interest, and the commune's rent for the floor area minus the payment, borrowing the price and 8 % purchase costs less a 10 % down payment).

  after · 97% of words in common

  Compares a French listing's asking price with recent recorded sales (DVF) of the same type and a similar size around it (the smallest radius with enough of them): estimate with its interquartile range, gap and verdict, closest comparables (sales over 2.5 times off the median price per m² are left out as no market price), a headline such as "12 % au-dessus du marché", local price trend, the commune's main crime rates against France, its rent for the type (monthly rent for the floor area, gross yield at the asking price), its share of passoires thermiques (DPE F or G) for the type, its natural risks, its local tax rates (taxe foncière, waste tax, taxe d'habitation on second homes), its home internet (fibre and wired speeds), each mobile operator's 4G coverage level at the address (mobile_4g) and their antennas, amenities within 500 m, and the address's sea view when it has one. The estimate is the prix normal (resales without a view of the sea around) plus the premiums that apply (premiums): the energy label's discount or premium (décote/surcote DPE, resales only) when the label is known (energy, else its title and description say it: « DPE : F »), what the label fetches against the commune's mix of labels (ADEME) after the Notaires de France's « valeur verte » of 2024 resales per région and type (rates: each label's); the new-build premium (surcote neuf: what new homes sold off-plan fetch over resales in the commune, DVF 2023–2025; where it sold few, its département's read at the price of the resales around, the dearer they are the smaller) when the listing is new (new_build, else its title and description say so: VEFA, programme neuf, livraison prévue…), and the sun premium (surcote soleil) when the sun goes down into the sea (or the sea is seen) from its address, else when its description says so (unverified); the gap and verdict are against that total. It also gives what financing the asking price costs at France's current home-loan rates (financing: L'Observatoire Crédit Logement/CSA's latest month, per 15, 20 and 25 years: rate, monthly payment, total interest, and the commune's rent for the floor area minus the payment, borrowing the price and 8 % purchase costs less a 10 % down payment).

• 2026-10-19amenities_nearbychangeddescription
  before

  Schools (maternelle, primaire, collège/lycée), bakeries, night clubs, noisy bars and every bar or café within a radius (France), and golf courses within 3 km (a point in a home's favour): count per kind and the nearest ones.

  after · 69% of words in common

  Schools (maternelle, primaire, collège/lycée), bakeries, night clubs, noisy bars and every bar or café within a radius (France), golf courses within 3 km (a point in a home's favour), and public transport (OpenStreetMap): train and RER stations, metro stations and tram stops within 1.5 km, and stations being built (the Grand Paris Express's) within 3 km: count per kind and the nearest ones.

• 2026-10-19commune_profilechangeddescription
  before

  For a French commune (by name, INSEE code or position) or département: asking rents per m² (charges included) for flats, small and large flats and houses, with their range (ANIL/DHUP Carte des loyers); the energy ratings (DPE A–G) of its dwellings diagnosed since July 2021 and the share of passoires thermiques (F or G, which may no longer be let: G since 2025, F from 2028), per flats and houses (ADEME); its natural risks: the risks listed by the state (DDRM), natural disaster (CatNat) decrees since 1982, prevention plans, radon potential (Géorisques); its local tax rates (DGFiP, in %): taxe foncière on buildings and on land, the household waste tax (TEOM; null where a fee pays for it), taxe d'habitation (on second homes and vacant dwellings only since 2023) with the commune's surcharge on second homes, the latest year's and the first's, the taxe foncière year by year, and for a commune how each rate splits between the commune, its syndicates, its intercommunality (named), special taxes and GEMAPI; its median price per m² of recorded sales (DVF) for flats, houses and both over the latest two years against the two before, and year by year; its home internet (ARCEP Ma connexion internet): the share of premises fibre, cable, copper DSL (copper_closed: no new subscribers), fixed 4G, radio and satellite reach, the share getting 8 and 30 Mbit/s and 1 Gbit/s by wire, and its premises by best technology; each mobile operator's 4G coverage of its homes (Orange, SFR, Bouygues Telecom, Free Mobile: the share of homes at each level of ARCEP's simulated maps, very good meaning indoors; metropolitan France), and their antennas in the commune (sites with 4G, 5G, 5G at 3.5 GHz). Each compared with its département and France.

  after · 88% of words in common

  For a French commune (by name, INSEE code or position) or département: for a commune, its zone ABC (which sets the PTZ, Denormandie and LLI), whether it is a zone tendue, its rent control (encadrement des loyers, with its territory) and its social housing under the SRU law (homes, share, target, déficitaire, carencée), and its building plots' median price per m² of land (DVF, with its département's and France's); asking rents per m² (charges included) for flats, small and large flats and houses, with their range (ANIL/DHUP Carte des loyers); the energy ratings (DPE A–G) of its dwellings diagnosed since July 2021 and the share of passoires thermiques (F or G, which may no longer be let: G since 2025, F from 2028, and E from 2034), per flats and houses (ADEME); its natural risks: the risks listed by the state (DDRM), natural disaster (CatNat) decrees since 1982, prevention plans, radon potential (Géorisques); its local tax rates (DGFiP, in %): taxe foncière on buildings and on land, the household waste tax (TEOM; null where a fee pays for it), taxe d'habitation (on second homes and vacant dwellings only since 2023) with the commune's surcharge on second homes, the latest year's and the first's, the taxe foncière year by year, and for a commune how each rate splits between the commune, its syndicates, its intercommunality (named), special taxes and GEMAPI; its median price per m² of recorded sales (DVF) for flats, houses and both over the latest two years against the two before, and year by year; its home internet (ARCEP Ma connexion internet): the share of premises fibre, cable, copper DSL (copper_closed: no new subscribers), fixed 4G, radio and satellite reach, the share getting 8 and 30 Mbit/s and 1 Gbit/s by wire, and its premises by best technology; each mobile operator's 4G coverage of its homes (Orange, SFR, Bouygues Telecom, Free Mobile: the share of homes at each level of ARCEP's simulated maps, very good meaning indoors; metropolitan France), and their antennas in the commune (sites with 4G, 5G, 5G at 3.5 GHz). Each compared with its département and France.

• 2026-10-19property_priceschangeddescription
  before

  Median sale price and price per m² of recorded sales within a radius, overall, per property type and per year, over the last years of data.

  after · 75% of words in common

  Median sale price and price per m² of recorded sales within a radius, overall, per property type, per year and per number of rooms (1, 2, 3, 4, 5+), over the last years of data.

• 2026-10-18appraise_listingchangeddescription, input schema
  before

  Compares a French listing's asking price with recent recorded sales (DVF) of the same type and a similar size around it (the smallest radius with enough of them): estimate with its interquartile range, gap and verdict, closest comparables (sales over 2.5 times off the median price per m² are left out as no market price), a headline such as "12 % au-dessus du marché", local price trend, the commune's main crime rates against France, its rent for the type (monthly rent for the floor area, gross yield at the asking price), its share of passoires thermiques (DPE F or G) for the type, its natural risks, its local tax rates (taxe foncière, waste tax, taxe d'habitation on second homes), its home internet (fibre and wired speeds), each mobile operator's 4G coverage level at the address (mobile_4g) and their antennas, amenities within 500 m, and the address's sea view when it has one. The estimate is the prix normal (resales without a view of the sea around) plus the premiums that apply (premiums): the new-build premium (surcote neuf: what new homes sold off-plan fetch over resales in the commune, DVF 2023–2025) when the listing is new (new_build, else its title and description say so: VEFA, programme neuf, livraison prévue…), and the sun premium (surcote soleil) when the sun goes down into the sea (or the sea is seen) from its address, else when its description says so (unverified); the gap and verdict are against that total.

  after · 77% of words in common

  Compares a French listing's asking price with recent recorded sales (DVF) of the same type and a similar size around it (the smallest radius with enough of them): estimate with its interquartile range, gap and verdict, closest comparables (sales over 2.5 times off the median price per m² are left out as no market price), a headline such as "12 % au-dessus du marché", local price trend, the commune's main crime rates against France, its rent for the type (monthly rent for the floor area, gross yield at the asking price), its share of passoires thermiques (DPE F or G) for the type, its natural risks, its local tax rates (taxe foncière, waste tax, taxe d'habitation on second homes), its home internet (fibre and wired speeds), each mobile operator's 4G coverage level at the address (mobile_4g) and their antennas, amenities within 500 m, and the address's sea view when it has one. The estimate is the prix normal (resales without a view of the sea around) plus the premiums that apply (premiums): the energy label's discount or premium (décote/surcote DPE, resales only) when the label is known (energy, else its title and description say it: « DPE : F »), what the label fetches against the commune's mix of labels (ADEME) after the Notaires de France's « valeur verte » of 2024 resales per région and type (rates: each label's); the new-build premium (surcote neuf: what new homes sold off-plan fetch over resales in the commune, DVF 2023–2025) when the listing is new (new_build, else its title and description say so: VEFA, programme neuf, livraison prévue…), and the sun premium (surcote soleil) when the sun goes down into the sea (or the sea is seen) from its address, else when its description says so (unverified); the gap and verdict are against that total. It also gives what financing the asking price costs at France's current home-loan rates (financing: L'Observatoire Crédit Logement/CSA's latest month, per 15, 20 and 25 years: rate, monthly payment, total interest, and the commune's rent for the floor area minus the payment, borrowing the price and 8 % purchase costs less a 10 % down payment).

• 2026-10-18amenities_nearbychangeddescription
  before

  Schools (maternelle, primaire, collège/lycée), bakeries, night clubs, noisy bars and every bar or café within a radius (France): count per kind and the nearest ones.

  after · 75% of words in common

  Schools (maternelle, primaire, collège/lycée), bakeries, night clubs, noisy bars and every bar or café within a radius (France), and golf courses within 3 km (a point in a home's favour): count per kind and the nearest ones.

• 2026-10-18appraise_listingchangeddescription, input schema
  before

  Compares a French listing's asking price with recent recorded sales (DVF) of the same type and a similar size around it (the smallest radius with enough of them): estimate with its interquartile range, gap and verdict, closest comparables (sales over 2.5 times off the median price per m² are left out as no market price), a headline such as "12 % au-dessus du marché", local price trend, the commune's main crime rates against France, its rent for the type (monthly rent for the floor area, gross yield at the asking price), its share of passoires thermiques (DPE F or G) for the type, its natural risks, its local tax rates (taxe foncière, waste tax, taxe d'habitation on second homes), its home internet (fibre and wired speeds), each mobile operator's 4G coverage level at the address (mobile_4g) and their antennas, amenities within 500 m, and the address's sea view when it has one.

  after · 73% of words in common

  Compares a French listing's asking price with recent recorded sales (DVF) of the same type and a similar size around it (the smallest radius with enough of them): estimate with its interquartile range, gap and verdict, closest comparables (sales over 2.5 times off the median price per m² are left out as no market price), a headline such as "12 % au-dessus du marché", local price trend, the commune's main crime rates against France, its rent for the type (monthly rent for the floor area, gross yield at the asking price), its share of passoires thermiques (DPE F or G) for the type, its natural risks, its local tax rates (taxe foncière, waste tax, taxe d'habitation on second homes), its home internet (fibre and wired speeds), each mobile operator's 4G coverage level at the address (mobile_4g) and their antennas, amenities within 500 m, and the address's sea view when it has one. The estimate is the prix normal (resales without a view of the sea around) plus the premiums that apply (premiums): the new-build premium (surcote neuf: what new homes sold off-plan fetch over resales in the commune, DVF 2023–2025) when the listing is new (new_build, else its title and description say so: VEFA, programme neuf, livraison prévue…), and the sun premium (surcote soleil) when the sun goes down into the sea (or the sea is seen) from its address, else when its description says so (unverified); the gap and verdict are against that total.

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