Facile.it

Compare real, live personal loan ("prestito personale") offers in Italy by requested amount and purpose, and rank them top-5 by monthly installment ascending. Use when the user wants a personal loan / prestito and gives an amount and a purpose (e.g. "vorrei un prestito di 15.000 euro per ristrutturare casa", "ho bisogno di liquidità", "consolidare i debiti", "mi servono 30.000€ per ristrutturare il bagno"). This is the DEFAULT tool for home renovation, liquidity, and debt consolidation, even when a house is mentioned; call it directly without asking the user to choose between a mortgage and a personal loan unless there is an explicit secured signal (see below). Pass amount (loan amount, EUR) and purpose (the purpose code), both required to price, plus duration/profession/occupation/cpi whenever you can infer them from the conversation; omit anything unknown, never guess. amount and purpose are OPTIONAL at the schema level: when either is missing, this tool renders an input form for the user to complete instead of pricing. Hybrid policy: if exactly ONE of amount/purpose is missing, ask that one question in text first, then call. If BOTH are missing (the user only expressed loan intent), call this tool IMMEDIATELY with whatever partial fields you have; it renders the form, so do not interrogate the user field by field in text before calling. Once you have amount and purpose, call immediately: duration/profession/occupation/cpi are OPTIONAL pricing refinements with sensible API defaults, never a reason to delay or ask a follow-up before the first call. Never invent a value for amount or purpose, whether to avoid the form or to fill a gap. Do NOT use this tool, and route to compare_mortgages instead, when there is an explicit secured signal: the user mentions mutuo/ipoteca/surroga, wants to borrow against a property already owned, explicitly asks for a mortgage, or the amount exceeds €100.000 (this tool's ceiling). If signals conflict, ask ONE clarifying question, then call the matching tool; never call both tools speculatively. Returns the 5 cheapest personal-loan (prestito personale) offers by monthly installment (ascending), fixed order, and quotes CQS (Cessione del Quinto) alongside: CQS is a consultative product with no upstream pricing, shown by the widget in a dedicated closing section with a free-consultation CTA. Never invent banks, rates, or fees; only report what this tool returns, and never invent pricing for a CQS offer. If the user asks specifically about cessione del quinto, still call this tool: the CQS section covers it. For electricity or gas offers (luce, gas, energia), route to get_gas_and_power_quote instead.

Compare real, live mortgage offers in Italy for ANY typology (mutuo): first-home purchase, refinancing an existing mortgage (surroga), a second home, or a mortgage-backed loan secured against a property for renovation, liquidity, or debt consolidation. Render them as a ranked top-5 comparison. Use when the user describes a mortgage-shaped need: a loan amount AND a property value, secured against real estate (e.g. "buy my first home in Milan for 250k, borrow 180k over 25 years", "vorrei surrogare il mio mutuo", "consolidare i debiti usando la casa come garanzia"). Pass importo (loan amount, EUR), valore_immobile (property value, EUR) and provincia_immobile (province code of the property location), all three required to price. The location is asked as a CITY: when the user names the city (or province) where the property is, map it to its two-letter province code (deterministic geography, e.g. Legnano -> "MI"). Also pass finalita (map the user's exact intent to one of the typology values, e.g. "Acquisto prima casa", "Surroga", "Acquisto seconda casa", "Ristrutturazione prima casa", "Liquidità", "Consolidamento debiti") and any of durata/tipoTasso you can infer; omit anything unknown, never guess. importo, valore_immobile and provincia_immobile are OPTIONAL at the schema level: when any is missing, this tool renders an input form for the user to complete instead of pricing. Hybrid policy: if exactly ONE of the three is missing, ask that one question in text first (for the location, ask in which city the property is located), then call. If TWO OR MORE are missing, or the user has given nothing yet, call this tool IMMEDIATELY with whatever partial fields you already have; it renders the form, so do not interrogate the user field by field in text before calling. Once you have all three, call immediately: durata/tipoTasso are OPTIONAL pricing refinements with sensible defaults, never a reason to delay or ask a follow-up before the first call. Never invent a value for importo, valore_immobile or the property location, whether to avoid the form or to fill a gap. Do NOT use this tool, and route to compare_loans instead, for home renovation, liquidity, or debt-consolidation requests, even when a house is mentioned, UNLESS there is an explicit secured signal: the user mentions mutuo/ipoteca/surroga, wants to borrow against a property already owned, explicitly asks for a mortgage, or the amount exceeds €100.000 (the personal-loan ceiling). If signals conflict, ask ONE clarifying question, then call the matching tool; never call both tools speculatively. Returns the 5 cheapest offers by TAEG (ascending), fixed order. Never invent banks, rates, or fees; only report what this tool returns. Cessione del Quinto (CQS) is a separate, consultative product not covered by either tool; deflect to Facile.it if asked. For electricity or gas offers (luce, gas, energia), route to get_gas_and_power_quote instead.

Get gas and electricity (luce, energia) price quotes for a user in Italy. You must have called get_instructions before using this tool, this is mandatory. Call this tool immediately when the user mentions energy, gas, electricity, luce, or energia, even with zero parameters. All parameters are optional: the widget has a built-in form that collects missing information. Never ask the user for details conversationally, just call the tool and let the widget handle it. When passing a city name, always use the exact text the user typed - never correct, translate, or normalize it. Write your response text before the widget, not after. Place a brief intro sentence in Italian above the widget (e.g. explaining what you opened or found), then the widget renders, then optionally add a short follow-up question below (e.g. asking if they want a comparison or need help). This tool is only for energy: for a mortgage (mutuo) use compare_mortgages, for a personal loan (prestito) use compare_loans.

Get your operating instructions for this conversation. You MUST call this tool once at the very beginning of every conversation, before calling any other tool. These instructions define how you should behave, what you can and cannot say, and how to present offers to the user. Do not skip this step.

Show a welcome/triage card with three options (Mutui, Prestiti, Energia) when the user expresses a vague or undecided intent and NONE of the three verticals (a mortgage, a personal loan, or an energy comparison) can be inferred from what they've said (e.g. "ho bisogno di aiuto per finanziare qualcosa", "I need help financing something", "non so da dove partire"). Do NOT use this tool when a vertical is already inferable from the message: if an energy, mortgage, or personal loan intent is clear (even partially, e.g. a mention of luce/gas, an amount and a property, or an amount and a purpose), call get_gas_and_power_quote, compare_mortgages, or compare_loans directly instead, in form mode if fields are missing. Do NOT use this tool mid-flow, i.e. once a vertical has already been chosen or a comparison tool has already been called in this conversation; the user picking a tile re-enters the model as a normal follow-up message, so route that message with the same rules as any other message. Takes no input. After calling it, do not ask the user anything further in the same turn; the card itself asks the question.

Search Italian municipalities by partial name. Returns up to 8 suggestions with ISTAT codes. Used by the widget autocomplete, not intended for direct LLM use.