payotte-mcp

German property rules compared across the states — GERMANY. One rule compared across the 16 states: purchase-tax, first-buyer-aid, property-tax-model, rents-and-ownership, land-value-data.

Payotte Germany guides: buying as a foreigner, taxes, renting and owning — GERMANY. Finds the Payotte guide answering a question about buying (including as a foreign buyer), financing, selling, renting or owning a home in Germany, and returns its short answer, check date and URL.

Payotte Italy guides: buying as a foreigner, taxes, renting and owning — ITALY. Finds the Payotte guide answering a question about buying (including as a foreign buyer), financing, selling, renting, renovating or owning a home in Italy, and returns its short answer, check date and URL.

Italian home sales by city and region — ITALY. Home sales (OMI register of the Agenzia delle Entrate) in 2024 and 2025 (provisional), sales per 1,000 residents and population (ISTAT) for the 20 regions and the 20 cities with the most sales.

German mortgage monthly payment — GERMANY. Monthly payment and total interest of an annuity loan; default rate = Bundesbank average effective rate on new housing loans fixed over 5 up to 10 years (latest month). Also returns the other fixation periods.

Italian mortgage monthly payment — ITALY. Monthly payment and total interest of a constant-instalment loan; default rate = ECB average agreed rate for Italy on new housing loans fixed over 5 up to 10 years (latest month). Also returns the other fixation periods.

German purchase costs on a home, by state — GERMANY. Computes real estate transfer tax (Grunderwerbsteuer) at the rate of each of the 16 states, notary and land registry fees from the GNotKG fee table (in force 1 June 2025), and optionally the land charge for a loan and an agent commission the user gives.

Italian purchase taxes on a home — ITALY. Computes the national purchase taxes: registration tax 9% (2% with prima casa relief, min. €1,000) on the price or the cadastral value (prezzo-valore) plus €50 + €50 on a resale from a private owner; VAT 10% (4% prima casa, 22% luxury A/1, A/8, A/9) plus €200 × 3 on a new build from a builder; optional substitute tax on the mortgage (0.25% / 2%) and an agent commission the user gives. The notary fee is never computed (no tariff).

German census rents and home ownership by city and state — GERMANY. Average net cold rent per m², owner-occupation and vacancy rates at the 2022 census for the largest cities and the 16 states.

Belgian house and apartment prices (Statbel medians) — BELGIUM. Median price of houses and of apartments, with the number of sales, the change over one and ten years and the latest quarters, for a municipality (55 covered: the 19 Brussels municipalities, Wallonian and Flemish cities), a province or a Region. Statbel medians of recorded resale deeds (FPS Finance), no median under 16 sales.

Belgian home purchase costs: registration duty, notary, other costs — BELGIUM. Computes the costs of buying an existing home in Brussels-Capital, Wallonia or Flanders: the Region's registration duty (12.5% / 12% or the sole-home reduced rate and abatements), the notary fees from the legal tariff plus VAT, the estimated other costs, and optionally the mortgage deed. Same figures as the calculator on payotte.com/belgium/purchase-costs (FR: /belgique/frais-achat, NL: /belgie/aankoopkosten).

Mexican property acquisition tax and recording fee, by municipality — MEXICO. Computes the property acquisition tax (ISAI, ISABI, ISTD… set by each municipality or state) and the state's fee to record the deed on a home purchase, from the 2026 laws read, in 54 municipalities (Cancún, Playa del Carmen, Tulum, Puerto Vallarta, Bahía de Banderas, Los Cabos, La Paz, Mazatlán, San Miguel de Allende, Mérida, Guadalajara, Querétaro, Tijuana…). Base = the higher of the price and the appraisal or cadastral value. Others return "not computed" with no figure. Notary fees are not computed.

Spanish property rules compared across the regions — SPAIN. One rule compared across the 19 regions: purchase-tax, new-home-taxes, young-buyer-rates, large-family-rates, appraised-values, house-price-index, agent-registers, stressed-market-areas.

Brazilian property costs and figures compared across the states — BRAZIL. One table across the 27 federative units: purchase-costs-capitals, itbi-state-capitals, notary-and-registry-fees, median-value-financed-homes, rented-homes-share, construction-cost-per-m2.

Mexican property rules and figures compared across the states — MEXICO. One rule or figure compared across the states: acquisition-tax, recording-fee, home-prices, price-change, home-loans, rented-homes, agent-licensing.

Payotte Brazil guides: foreign buyers, buying, financing, selling, renting, owning — BRAZIL. Finds the Payotte guide answering a question about a home in Brazil — CPF, rural land and beachfront rules for foreigners, ITBI, deeds, mortgages, capital gains, tenancy law, IPTU — and returns its short answer, check date and URL.

Payotte Spain guides: buying as a foreigner, taxes, renting and owning — SPAIN. Finds the Payotte guide answering a question about buying (including as a foreign or non-resident buyer: NIE, IRNR, 3% withholding, golden visa), financing, selling, renting or owning a home in Spain, and returns its short answer, check date and URL.

Payotte Mexico guides: foreign buyers, buying, selling, renting — MEXICO. Finds the Payotte guide answering a question about buying (restricted zone, fideicomiso, notary, deed), financing, selling (income tax for residents and non-residents), renting or owning a home in Mexico, and returns its self-contained short answer, check date and URL.

Mexican home appraisal values and price index (SHF) — MEXICO. Sociedad Hipotecaria Federal figures: median and mean appraisal value of homes bought with a mortgage by state (Jan.-June 2026), and the price index change over a year by state or municipality. Prices in pesos exist by state only.

Spanish home values by city and region — SPAIN. Ministry average appraised value per m² (Q2 2026) for 55 cities and the 19 regions, its change over a year, and the INE house price index by region.

Brazilian mortgage payment, SAC and Price — BRAZIL. Monthly payment under the Price system (constant) and the SAC system (falling), total interest, CMN loan-to-value caps; default rate = Banco Central average on new housing loans to individuals (latest month).

Spanish mortgage monthly payment — SPAIN. Monthly payment and total interest of a repayment mortgage; default rate = Banco de España average rate on mortgages over three years (latest month). Also returns the 12-month Euribor.

Mexican fixed-rate mortgage payment — MEXICO. Monthly payment and total interest of a fixed-rate peso mortgage; default rate = Banco de México average of advertised fixed-rate offers (latest month), with the average CAT and the Banxico target rate.

Spanish non-resident tax on a home that is not let — SPAIN. Non-resident income tax (IRNR) for 2026 on the imputed income of a home a non-resident keeps without letting it: 2% (or 1.1%) of the cadastral value, taxed at 24% (19% for EU/EEA residents).

Brazilian home purchase costs: ITBI, notary deed, registration — BRAZIL. Computes the municipal ITBI transfer tax (general rate read in the law of 40 cities), the notary deed and the registration (2026 table of 21 states) on a home purchase in one of the 55 cities covered. Missing parts are flagged (lower limit or not computed), never estimated.

Spanish purchase taxes and fees on a home, by region — SPAIN. Computes transfer tax (ITP) on a resale home, or VAT/IGIC and stamp duty (AJD) on a new home, plus land registry fees and the notary's deed fee, at the general rates of each of the 17 regions, Ceuta and Melilla (official texts read), on the higher of the price and the Catastro reference value.

US closing costs by state (items set by law) — UNITED STATES. The closing costs that state law fixes (transfer and mortgage taxes, recording fees, regulated title premiums) and who pays each by contract or custom, with a worked example. No invented averages: when no official typical total exists, it says so.

US community property states — UNITED STATES. Whether a state is a community property state, an opt-in state, or common law, and what that means for buying and titling a home as a married couple.

UK property rules compared across the four nations — UNITED KINGDOM. One rule compared across England, Scotland, Wales and Northern Ireland (purchase tax, first-time buyer relief, conveyancing system, home surveys, tenancy deposits, tenancy regime, Council Tax and rates, EPCs), from Payotte's guides and their official sources.

Australian property rules compared across the states — AUSTRALIA. One rule compared across the states and territories (purchase duty, foreign purchaser surcharge, first home buyer concessions, first home owner grant, land tax, cooling-off period, rental bonds, vendor disclosure), from Payotte's guides and their official sources.

Indian property rules compared across the states — INDIA. One rule compared across the states whose official rates Payotte read (purchase-duty, women-buyer-rates).

Compare the 50 US states on one rule — UNITED STATES. Lists the states in each category for one topic: transfer-tax (states with no transfer tax), attorney-at-closing (states requiring an attorney), foreclosure (judicial vs non-judicial states), seller-disclosure (buyer beware states), community-property. Use for "which states…" questions.

US federal home-buying guides — UNITED STATES. Finds Payotte’s federal guides (rules that apply in every state): FHA, VA, USDA and conventional loans, PMI, down payment, credit score, debt-to-income, escrow, earnest money, closing costs, 1031 exchange, capital gains on a home sale, mortgage interest deduction, flood insurance, refinancing… Empty query = full list.

US first-time home buyer programs by state — UNITED STATES. The state housing finance agency and its first-time buyer loans, down payment assistance, mortgage credit certificates, income limits and homebuyer education requirement, with official links.

US foreclosure process by state — UNITED STATES. Whether a state forecloses judicially or by trustee sale, the typical or minimum timeline, any right of redemption after the sale, deficiency judgment rules and mediation programs.

Payotte Australia guides: buying, renting and owning a home — AUSTRALIA. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in Australia, and returns its self-contained short answer, check date and URL.

Payotte India guides: buying, NRIs, renting and owning a home — INDIA. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in India, including NRI and OCI rules, and returns its self-contained short answer, check date and URL.

Payotte UK guides: buying, renting and owning a home — UNITED KINGDOM. Finds the Payotte guide answering a question about buying, financing, selling, renting or owning a home in the UK, and returns its self-contained short answer, check date and URL.

Indian home loan EMI — INDIA. EMI, total interest and the RBI loan-to-value caps for a home loan; default rate = RBI weighted average lending rate on fresh housing loans (latest month, provisional).

US median home value by state and main city — UNITED STATES. Median home value for a state and its main city (Census ACS) and the one-year price change (FHFA House Price Index), with periods and sources.

Australian dwelling prices (ABS) — AUSTRALIA. ABS Total Value of Dwellings, latest quarter: for a state or territory, the MEAN price of all dwellings; for a capital city or a "rest of state" area, the MEDIAN price of established houses sold. The price_type field says which; the two are not comparable.

Indian house price indices (RBI, NHB RESIDEX) — INDIA. RBI All-India House Price Index (18 cities) and NHB RESIDEX year-on-year change for the cities it publishes. Indices only: no official open series gives rupee prices by city.

UK average house prices (UK House Price Index) — UNITED KINGDOM. Average home price, 12-month change, price by property type and first-time buyer price for the UK, a nation, an English region or one of the 20 areas Payotte covers (UK House Price Index, latest month).

US natural hazards and home insurance by state — UNITED STATES. Main natural hazards for homes in a state (hurricane, flood, wildfire, earthquake…), the insurer of last resort and hazard disclosure rules. Covered: 14 high-risk states.

US property tax appeal deadline by state — UNITED STATES. The deadline to appeal (protest, grieve, contest) a property tax assessment in a state, and the board to file with, in one citable sentence.

US property tax by state — UNITED STATES. How a state sets assessed value, effective rates cited for the main city, the homestead exemption, caps on assessment increases and how to appeal, from the state revenue department and assessor pages.

Australian transfer (stamp) duty on a home, by state — AUSTRALIA. Computes the duty on buying a home in a state or territory (NSW, VIC, QLD, WA, TAS, ACT, NT; not SA, whose rate pages Payotte could not read) with first home buyer, principal residence, foreign buyer (surcharge and FIRB fee) and new home options, plus land titles registration fees. Rates as on payotte.com/australia; warnings list every assumption and any upper-limit figure.

UK purchase tax on a home: SDLT, LBTT or LTT — UNITED KINGDOM. Computes the tax on buying a home: Stamp Duty Land Tax (England, Northern Ireland), Land and Buildings Transaction Tax (Scotland) or Land Transaction Tax (Wales), for a home mover, a first-time buyer or an additional property, with the non-UK resident surcharge and the HM Land Registry fee. Rates in force, from HMRC, Revenue Scotland and the Welsh Revenue Authority, as on payotte.com/uk.

US seller disclosure law by state — UNITED STATES. Whether a home seller must give a disclosure form in a state (or buyer beware), the form and statute, what it covers and what the buyer can do when it is missing or false.

Indian stamp duty and registration on a home, by state — INDIA. Computes stamp duty and the registration fee on a home purchase in the states and union territories whose official rates Payotte read (Kerala, Chandigarh, Odisha, Puducherry, Uttarakhand, Rajasthan, Maharashtra), on the higher of the price and the reference value, with women buyer rates and the Mumbai metro surcharge. Other states (Delhi, Karnataka, Tamil Nadu…) return "not computed" with no figure.

Buying a home in a US state: key facts — UNITED STATES. Key home-buying facts for a state (transfer tax, property tax, disclosure, attorney, foreclosure) and the list of Payotte articles for that state with their one-line answers.

US title insurance rates by state — UNITED STATES. Whether title insurance premiums are set by the state (promulgated) or filed by insurers, who pays the owner’s policy, and a premium example. Covered states: Florida, Iowa, New Mexico, Texas.

US real estate transfer tax by state — UNITED STATES. Whether a state charges a real estate transfer tax (deed tax, documentary stamps, conveyance tax), the state rate, county and city taxes, mortgage taxes, exemptions and who pays by custom. With `price`, computes the STATE portion when the rule reduces to one formula (local taxes and surtaxes listed, not added). From the state statute, as summarized on payotte.com/usa.

Verify a US real estate professional’s license — UNITED STATES. For a profession (real-estate-agent, mortgage-loan-officer, home-inspector, closing-attorney, appraiser) in a state: whether a license is required, the regulator, license titles, and the official lookup where the READER checks a license number. Payotte lists no US professionals and never says "verified by Payotte".

Vérifier le titre d’un professionnel en France / Check a French professional’s credential — FRANCE. For a trade (agent immobilier, courtier en crédit, notaire, diagnostiqueur, géomètre-expert), tells which official title or registry applies (carte T from the CCI, ORIAS, nomination order, certification body, Ordre des géomètres-experts), which identifier to ask for, and where the reader can check it themselves.

Économie de taxes d'une baisse d'évaluation / Tax saving of an assessment reduction (Quebec) — Call this when the user asks how much they could save on property taxes if their assessment went down, or whether contesting is worth the fee. Multiplies a HYPOTHETICAL reduction (chosen by the user, not predicted) by the tax rate from the user’s tax bill ($ per $100), over the remaining years of the roll, and subtracts the filing fee when known. Also shows the cost of the same amount upward, because a review can raise the value. Ask the user for their tax rate: Payotte does not guess municipal rates.

Échéance pour contester son évaluation foncière / Property-assessment review deadline (Quebec) — Call this when the user asks until when they can contest (request a review of) their property assessment in a Quebec municipality, which assessment roll is in force, when the next roll comes, or what the reference date is. Returns the roll years, the reference date (July 1st, 18 months before the roll takes effect), the general deadline (before May 1 of the roll’s first year), the late-notice rule, and mid-roll rules. Compiled by Payotte from the official Quebec rolls (MAMH open data). Quebec only. Deadlines are calculated from the general rule: tell the user their assessment notice prevails.…

Frais d'une demande de révision / Assessment review filing fee (Quebec) — Call this when the user asks how much it costs to file a request for review of their property assessment in Quebec. Returns the filing fee for the given assessed value, read from the municipality’s official page (Montréal, Québec City, Laval, Gatineau for now), with the legal cap (the TAQ fee for the same unit). Returns "not collected" instead of an estimate for other municipalities.