Capucine — ScoreCredit

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.