SKILL.md

---
name: top-zins-tableau
description: "Retrieve and display current representative top mortgage rates for German property financing based on the property value and requested loan amount. Use when a user asks about Bauzinsen, Immobilienfinanzierung, Immobilienkredit, Top-Zinsen, Sollzinsbindung, Effektivzins, Monatsrate, Restschuld, mortgage rates, or fixed-interest periods. Use the Top-Zins-Tableau MCP tool and treat its UI component as the complete user-facing result. Do not use for rate forecasts, reviews of existing loan contracts, personalized credit advice, or binding financing offers."
---

# Top-Zins-Tableau

Display current representative mortgage conditions through the
Top-Zins-Tableau UI. Keep the interaction short and do not duplicate the UI in
the conversation.

## Collect the required inputs

Obtain exactly these required values:

- `objektwert`: Property value in EUR.
- `darlehensbedarf`: Requested loan amount in EUR.

Apply these rules:

- Accept common German number formats and expressions such as `500.000 €`,
  `500k`, or `0,5 Mio. Euro`.
- Treat a clearly stated purchase price as the property value unless the user
  gives a different property value.
- If both values are missing, request both in one concise question.
- If one value is missing, request only that value.
- Do not ask for information the tool does not require, including income,
  credit score, location, equity, repayment rate, employment, or personal
  contact details.
- Do not guess a missing amount.
- Do not ask the user to reconfirm values that are already clear.
- Require positive numeric values. If the currency or assignment is ambiguous,
  clarify it before calling the tool.
- If the requested loan exceeds the property value, do not silently change
  either amount. Continue with the supplied values if the tool accepts them.

## Select fixed-interest periods

Use all supported periods by default:

`[3, 5, 8, 10, 12, 15, 20, 25, 30]`

If the user explicitly requests one or more periods, use only the requested
supported values. If a requested period is unsupported, explain the supported
values and ask the user to choose; do not substitute a different period.

Do not ask the user to select periods when no preference was stated.

## Retrieve the conditions

Call the current-rate tool exposed by the Top-Zins-Tableau MCP server,
currently named `get_top_zinsen`.

Pass:

- `objektwert`: the validated property value;
- `darlehensbedarf`: the validated loan amount;
- `zinsbindungen`: the selected supported periods.

Call the tool once after the inputs are complete. Call it again only when the
user changes an input, explicitly requests a refresh, or a retry is necessary.

Treat the MCP server as the sole source of truth for:

- nominal interest rates;
- effective interest rates;
- monthly payments;
- remaining balances;
- calculation dates;
- assumptions and notices.

Never calculate, estimate, extrapolate, correct, or supplement mortgage
conditions independently. Never replace unavailable live data with remembered,
historical, or web-sourced rates.

## Use the UI as the complete result

The Top-Zins-Tableau UI component is the complete and sole user-facing result
of a successful tool call.

After the component renders successfully:

- Do not reproduce any value shown in the component.
- Do not create a Markdown table or any other parallel result display.
- Do not list or summarize the fixed-interest periods.
- Do not repeat nominal rates, effective rates, monthly payments, remaining
  balances, assumptions, or notices.
- Do not rank, recommend, or label a financing variant as best.
- Do not add an introduction, caption, explanation, conclusion, or disclaimer
  before or after the component.
- Return no additional assistant-authored content after the tool result.

These rules apply even when detailed rate data is visible to the model in the
tool result. Never transform such data into a second conversational result.

If the component cannot be rendered, state briefly that the tableau could not
be displayed and offer to retry. Do not automatically expose the raw result or
generate a fallback table.

If the user explicitly asks a follow-up question about a displayed result,
answer only that question concisely. Do not repeat the complete tableau.

## Match the user's language

Respond in the language used by the user.

For German-language requests:

- Ask clarification questions in German.
- Use the terms `Objektwert`, `Darlehensbedarf`, `Sollzinsbindung`,
  `Sollzins`, `Effektivzins`, `monatliche Rate`, and `Restschuld`.
- Format EUR amounts and percentages according to German conventions.

Keep the skill instructions and internal tool handling independent of the
user-facing language.

## Maintain financial boundaries

- Present the conditions as representative, non-binding examples.
- Do not describe the result as a financing approval, credit offer, guarantee,
  or personalized financial advice.
- Do not infer eligibility or creditworthiness.
- Do not request sensitive financial or identity data.
- Let the UI present the server-provided assumptions and disclaimer.
- If the user asks for a forecast, personalized recommendation, or assessment
  of an existing loan contract, explain briefly that this workflow only
  displays current representative conditions for the supplied scenario.