# calcular_aluguel_vs_compra_imovel

Compara financeiramente alugar vs. comprar um imóvel usando Valor Presente Líquido (VPL). Calcula o custo total em valor presente de cada cenário pelo horizonte informado, usando como taxa de desconto o custo de oportunidade do capital (renda fixa). Veredicto: "comprar" (PV compra < PV aluguel), "alugar" (PV aluguel < PV compra) ou "neutro" (diferença < 5% do maior PV). Inclui break-even (mês em que comprar passa a valer mais) e série anual de patrimônio vs. custo. Fórmula: Price (parcela constante), aluguel com correção pela inflação, VPL dos fluxos.

Agent View of the PolicyLayer registry record for `calcular_aluguel_vs_compra_imovel`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aluguel-vs-compra-imovel

## Facts

- Tool: `calcular_aluguel_vs_compra_imovel`
- Server: Contaí — Calculadoras Fiscais Brasileiras (`@contai-evoluke/mcp-server`) — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md
- Install: `npx -y @contai-evoluke/mcp-server`
- Homepage: https://github.com/lfhillesheim/calculadora
- Risk category: Read (Low risk)
- Registry record: grade B, identity unverified
- Server rate-limited: no
- Parameters: 12 (10 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `horizonteAnos` | integer | yes | Horizonte de análise em anos (1 a 35). Período considerado para comparar os dois cenários. Ex: 10 = analisar os próximos 10 anos |
| `entradaPercent` | number | yes | Percentual de entrada sobre o valor do imóvel (0 a 100). Ex: 20 = entrada de 20% |
| `iptuMensalCents` | integer | yes | Valor mensal do IPTU em centavos (valor anual dividido por 12). Ex: IPTU R$ 2.400/ano → 20000/mês |
| `valorImovelCents` | integer | yes | Valor de mercado do imóvel em centavos. Ex: R$ 500.000 → 50000000 |
| `aluguelMensalCents` | integer | yes | Valor do aluguel mensal atual de um imóvel equivalente, em centavos. Ex: R$ 2.500 → 250000 |
| `custosVendaPercent` | number | yes | Percentual do valor do imóvel para cobrir custos de venda ao final do horizonte: corretagem + impostos. Referência típica: 6-8%. Ex: 6.0 = 6% |
| `condominioMensalCents` | integer | yes | Taxa de condomínio mensal em centavos. Use 0 para imóvel sem condomínio. Ex: R$ 600/mês → 60000 |
| `custosTransacaoCompra` | array | no | Custos one-shot detalhados da COMPRA, agrupados por categoria. Cada item: { categoria, valorCents, descricao? }. Categorias: itbi, registro_cartorio, escritura, |
| `irSobreAluguelPercent` | number | no | Alíquota de IR (%) aplicada sobre o aluguel — modelo simplificado de Carnê-Leão (faixas 0–27,5%). Quando informado, o engine reduz o fluxo de aluguel pelo fator |
| `custosAquisicaoPercent` | number | yes | Percentual do valor do imóvel para cobrir custos de aquisição: ITBI + cartório + corretagem. Referência típica: 4-8%. Ex: 6.5 = 6,5% do valor do imóvel |
| `manutencaoAnualPercent` | number | yes | Percentual anual do valor do imóvel destinado a manutenção e reparos (0 a 10%). Referência: 1% a.a. para apartamentos novos; 2-3% a.a. para casas ou imóveis ant |
| `prazoFinanciamentoMeses` | integer | yes | Prazo do financiamento em meses (12 a 420 = até 35 anos). Ex: 360 = 30 anos |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "calcular_aluguel_vs_compra_imovel",
    "arguments": {
      "horizonteAnos": 0,
      "entradaPercent": 0,
      "iptuMensalCents": 0,
      "valorImovelCents": 0,
      "aluguelMensalCents": 0,
      "custosVendaPercent": 0,
      "condominioMensalCents": 0,
      "custosAquisicaoPercent": 0,
      "manutencaoAnualPercent": 0,
      "prazoFinanciamentoMeses": 0
    }
  }
}
```

## Why calcular_aluguel_vs_compra_imovel is rated Low

This is a computational/analytical tool that accepts inputs (property parameters, time horizon, discount rate) and returns calculated outputs and recommendations. It performs net present value (VPL) analysis and scenario comparison—pure calculation with no side effects.

From the tool's own definition: "Tool performs financial comparison and calculation ('Compara financeiramente', 'Calcula o custo total', 'Fórmula: Price', 'série anual') based on user-provided parameters. Returns analysis results ('Veredicto', 'break-even', 'série anual de patrimônio vs."

Risk signals: High parameter count (19 properties)

## Use case

AI agents call calcular_aluguel_vs_compra_imovel to retrieve information from Contaí — Calculadoras Fiscais Brasileiras without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Contaí — Calculadoras Fiscais Brasileiras:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "calcular_aluguel_vs_compra_imovel": {}
  }
}
```

## Other tools on Contaí — Calculadoras Fiscais Brasileiras (138)

- `calcular_mensalidade_planejador` — Financial — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-mensalidade-planejador.md
- `buscar_lei` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/buscar-lei.md
- `calcular_13o_salario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-13o-salario.md
- `calcular_acao_trabalhista` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-acao-trabalhista.md
- `calcular_adicional_noturno` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-adicional-noturno.md
- `calcular_alocador_50_30_20` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-alocador-50-30-20.md
- `calcular_aluguel_reajuste` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aluguel-reajuste.md
- `calcular_auditoria_beneficios_trabalhistas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-auditoria-beneficios-trabalhistas.md
- `calcular_auxilio_doenca` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-auxilio-doenca.md
- `calcular_aviso_previo` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aviso-previo.md
- `calcular_banco_de_horas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-banco-de-horas.md
- `calcular_bdr_vs_etf_vs_acao_direta` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bdr-vs-etf-vs-acao-direta.md
- `calcular_bola_de_neve_dividas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bola-de-neve-dividas.md
- `calcular_bolsa_estagio` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bolsa-estagio.md
- `calcular_calculadora_gestacional` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calculadora-gestacional.md
- `calcular_calculadora_milhas_passagem` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calculadora-milhas-passagem.md
- `calcular_calorias_macros` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calorias-macros.md
- `calcular_capital_de_giro_necessario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-capital-de-giro-necessario.md
- `calcular_carne_leao` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-carne-leao.md
- `calcular_cartao_credito_cashback_anuidade` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-cartao-credito-cashback-anuidade.md
- `calcular_cdb_vs_lci_vs_tesouro_vs_poupanca` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-cdb-vs-lci-vs-tesouro-vs-poupanca.md
- `calcular_comparador_regime_tributario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-comparador-regime-tributario.md
- `calcular_consorcio_credito_empresarial` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consorcio-credito-empresarial.md
- `calcular_consorcio_vs_financiamento` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consorcio-vs-financiamento.md
- `calcular_consultoria_pj_saude_financeira` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consultoria-pj-saude-financeira.md
- `calcular_consumo_agua` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consumo-agua.md
- `calcular_conversao_moedas_iof` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-conversao-moedas-iof.md
- `calcular_credito_pj_comparador` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-credito-pj-comparador.md
- `calcular_custo_efetivo_total` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-custo-efetivo-total.md
- `calcular_custo_hora_freelance` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-custo-hora-freelance.md
- …and 108 more: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-lfhillesheim-contai-mcp-server · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-lfhillesheim-contai-mcp-server