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get_property_decision_intelligence

Buyer affordability verdict for a specific home: indicative eligibility (FOIR/LTV/CIBIL), EMI, true cash-to-close, and regime-aware tax — one signal. Not a loan approval, offer, or financial advice.

Endpoint POST https://api.avnester.com/public/v1/get_property_decision_intelligence

Parameters

The most-used parameters. Full schema in the OpenAPI document.

NameTypeRequiredDescription
monthlyNetIncomenumberrequiredBuyer monthly take-home income in INR.
listingIdstringoptionalAVnester listingId (Coimbatore catalog). Provide this OR propertyValue+state.
propertyValuenumberoptionalProperty price in INR (pan-India mode). Provide with state.
statestringoptionalIndian state for stamp duty. Required with propertyValue.
savingsAvailablenumberoptionalLiquid cash for down payment + charges — enables the cash-gap calc.
cibilScorenumberoptionalCIBIL score (300–900). Omit → eligibility stays indicative.
existingMonthlyEmisnumberoptionalTotal existing monthly EMIs in INR.
coApplicantMonthlyIncomenumberoptionalCo-applicant monthly income (joint affordability).
occupancyIntentstringoptionalself_occupied · let_out.
tenureYearsnumberoptionalLoan tenure in years. Defaults to 20.

Worked example

# can a ₹1.5L/month buyer with ₹15L savings (CIBIL 760) afford a ₹65L Coimbatore flat?
curl -X POST https://api.avnester.com/public/v1/get_property_decision_intelligence \
  -H 'Content-Type: application/json' \
  -d '{
       "propertyValue": 6500000,
       "state": "Tamil Nadu",
       "monthlyNetIncome": 150000,
       "savingsAvailable": 1500000,
       "cibilScore": 760
     }'
Response
{
  "mode": "manual",
  "verdict": { "signal": "STRETCH", "headline": "Approval likely, but you're ~₹5.5L short on upfront cash.", "blockingLever": "down_payment_gap", "confidence": "indicative" },
  "eligibility": { "eligibleLoan": 5200000, "bound": "ltv", "ltvPct": 80, "foirAtEligibleLoanPct": 30.1, "approvalLikelihood": "high", "notALoanApproval": true, "notAnOffer": true },
  "emi": { "loanAmount": 5200000, "monthlyEmi": 45127 },
  "affordability": { "downPayment": 1300000, "stampDutyAndRegistration": 715000, "totalCashToClose": 2050800, "downPaymentGap": 550800 },
  "tax": { "recommendedRegime": "new", "netEffectiveAnnualBenefit": 0 },
  "attribution": "AVnester",
  "disclaimer": "..."
}

Rate limits

Anonymous

30/min

OAuth (Team)

300/min

Per-IP aggregate cap (across all tools): 60/min. OAuth registration lifts both the per-tool budget (10×) and removes the IP cap.

Common errors

  • 400Provide exactly one of listingId / propertyValue

    Pass either listingId OR propertyValue+state — not both, not neither.

  • 400Invalid request body

    Check required parameters and types. The error.message field will name the offending parameter.

  • 429Rate limit exceeded

    Back off until the time in the Retry-After header; or authenticate with OAuth for the 10× tier.

Next steps