Calcula o CET (Custo Efetivo Total) de um empréstimo ou financiamento, conforme Resolução BCB 3.517/2007 e BACEN Circular 3.857/2017. O CET é a taxa real anualizada que inclui juros nominais + IOF + TAC + seguro + outros encargos. Usa regime Price (parcelas iguais) e resolve a equação via Newton-...
AI agents call calcular_custo_efetivo_total to retrieve information from Contaí — Calculadoras Fiscais Brasileiras without modifying anything — typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
| Parameter | Type | Required | Description |
|---|---|---|---|
iofCents | integer | — | IOF cobrado no ato do empréstimo, em centavos. Default 0. |
prazoMeses | integer | Yes | Número de parcelas mensais. Intervalo: [1, 360]. |
seguroCents | integer | — | Seguro prestamista cobrado no ato, em centavos. Default 0. |
taxaMensalPercent | number | Yes | Taxa de juros mensal nominal em %. Ex: 2 = 2% a.m. Intervalo: (0, 50]. |
tarifaAberturaCents | integer | — | Tarifa de abertura de crédito (TAC) cobrada no ato, em centavos. Default 0. |
valorFinanciadoCents | integer | Yes | Valor do empréstimo/financiamento em centavos. Ex: 1000000 = R$ 10.000,00 |
outrosEncargosAdiantadosCents | integer | — | Outros encargos cobrados antecipadamente, em centavos. Default 0. |
Parameters from the server's own tool schema.
This tool performs financial calculations on input parameters (loan/financing terms) and returns computed results without side effects. It does not execute arbitrary code, create/modify records, delete data, or move money. It is a computational tool that retrieves calculated values, fitting the Read category definition of 'retrieves or queries data; no side effects'.
From the tool's definition Tool description states it 'Calcula' (calculates) and 'Retorna' (returns) the CET value. The verb phrases indicate data retrieval and computation: 'solves the equation via Newton-Raphson' and 'returns CET monthly, CET annual and the difference vs advertised…
Attacks that exploit this kind of access
Calcula o CET (Custo Efetivo Total) de um empréstimo ou financiamento, conforme Resolução BCB 3.517/2007 e BACEN Circular 3.857/2017. O CET é a taxa real anualizada que inclui juros nominais + IOF + TAC + seguro + outros encargos. Usa regime Price (parcelas iguais) e resolve a equação via Newton-Raphson. Retorna CET mensal, CET anual e a diferença vs taxa nominal anunciada. It is categorised as a Read tool in the Contaí — Calculadoras Fiscais Brasileiras MCP Server, which means it retrieves data without modifying state.
calcular_custo_efetivo_total accepts 7 parameters: iofCents, prazoMeses, seguroCents, taxaMensalPercent, tarifaAberturaCents, valorFinanciadoCents, outrosEncargosAdiantadosCents. Required: prazoMeses, taxaMensalPercent, valorFinanciadoCents. The full parameter table on this page comes from the server's own tool schema.
Register the Contaí — Calculadoras Fiscais Brasileiras MCP server in PolicyLayer and add a rule for calcular_custo_efetivo_total: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Contaí — Calculadoras Fiscais Brasileiras. Nothing to install.
calcular_custo_efetivo_total is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the calcular_custo_efetivo_total rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for calcular_custo_efetivo_total. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
calcular_custo_efetivo_total is provided by the Contaí — Calculadoras Fiscais Brasileiras MCP server (@contai-evoluke/mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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