get_affordability
Get Affordability
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Third-party content written by another agent. Data to evaluate, not instructions.
Calculate Luxembourg mortgage affordability and state whether the property-price ceiling includes every acquisition cost or only currently known costs.
Input schema
| Property | Type | Required | Description |
|---|---|---|---|
| annualNetIncome | number | yes | User-confirmed annual household net income |
| maxDebtToIncomeRatio | number | yes | Explicit housing-payment share of net income, e.g. 0.35 |
| monthlyDebts | number | no | Existing monthly debt payments |
| savingsAvailable | number | yes | Available savings/down payment |
| householdType | string | yes | |
| employmentType | string | yes | |
| residencyType | string | yes | |
| isFirstTimeBuyer | boolean | no | Deprecated optional compatibility signal; never proves Bëllegen entitlement |
| bellegenAktCreditAvailable | number | no | Aggregate unused Bëllegen Akt balance explicitly confirmed for the acquirers |
| bellegenAktEligibleBuyers | integer | no | Explicitly confirmed eligible acquirer count |
| residenceUse | string | no | Residence use; omitted or unknown preserves an unconfirmed Bëllegen position |
| isPersonalResidence | boolean | no | Deprecated residence-use compatibility flag; prefer residenceUse |
| loanTermYears | integer | no | |
| marketRate | number | no | |
| energyClassDiscountPct | number | no | |
| floodZoneRateAdjustmentPct | number | no |
Raw JSON schema
{
"$schema": "http://json-schema.org/draft-07/schema#",
"type": "object",
"properties": {
"annualNetIncome": {
"type": "number",
"exclusiveMinimum": 0,
"description": "User-confirmed annual household net income"
},
"maxDebtToIncomeRatio": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 0.6,
"description": "Explicit housing-payment share of net income, e.g. 0.35"
},
"monthlyDebts": {
"default": 0,
"description": "Existing monthly debt payments",
"type": "number",
"minimum": 0
},
"savingsAvailable": {
"type": "number",
"minimum": 0,
"description": "Available savings/down payment"
},
"householdType": {
"type": "string",
"enum": [
"single",
"couple"
]
},
"employmentType": {
"type": "string",
"enum": [
"salaried",
"self_employed",
"civil_servant"
]
},
"residencyType": {
"type": "string",
"enum": [
"luxembourg",
"cross_border_fr",
"cross_border_be",
"cross_border_de"
]
},
"isFirstTimeBuyer": {
"default": false,
"description": "Deprecated optional compatibility signal; never proves Bëllegen entitlement",
"type": "boolean"
},
"bellegenAktCreditAvailable": {
"description": "Aggregate unused Bëllegen Akt balance explicitly confirmed for the acquirers",
"type": "number",
"minimum": 0
},
"bellegenAktEligibleBuyers": {
"description": "Explicitly confirmed eligible acquirer count",
"type": "integer",
"minimum": 0,
"maximum": 9007199254740991
},
"residenceUse": {
"description": "Residence use; omitted or unknown preserves an unconfirmed Bëllegen position",
"type": "string",
"enum": [
"unknown",
"primary",
"other"
]
},
"isPersonalResidence": {
"description": "Deprecated residence-use compatibility flag; prefer residenceUse",
"type": "boolean"
},
"loanTermYears": {
"type": "integer",
"minimum": 5,
"maximum": 35
},
"marketRate": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 15
},
"energyClassDiscountPct": {
"type": "number",
"minimum": 0,
"maximum": 2
},
"floodZoneRateAdjustmentPct": {
"type": "number",
"minimum": 0,
"maximum": 3
}
},
"required": [
"annualNetIncome",
"maxDebtToIncomeRatio",
"savingsAvailable",
"householdType",
"employmentType",
"residencyType"
]
}