ZVG Melder

Official source: zvg-portal.de · regularly checked

Find foreclosure auctions without buying a pig in a poke.

ZVG Melder finds the auctions German local courts publish on the official auction portal and analyses available appraisals with AI, so you see risks, costs and yield before you bid.

Unlock one eligible auction for free once. Registration and email confirmation required.

Property of the Week

Condominium · 72 m² · Bad Homburg

Verkehrswert218.000 €

AI summary

Die Wohnung ist eine vermietete Dreizimmerwohnung mit Stellplatz in einem 1970 errichteten, baujahrsgerecht unterhaltenen Mehrfamilienhaus in guter innerstädtischer Lage von Bad Homburg. Das Gebäude ist teilweise modernisiert, jedoch fehlen energetische Modernisierungsmaßnahmen. Der Verkehrswert von 218.000 EUR wird durch stabile Vergleichswerte aus der unmittelbaren Liegenschaft gestützt.

Risk class2 — Manageable
AI analysis by ZVG Melder · Bad Homburg v. d. Höhe · View auction
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Understand appraisals with AI and source references.

More than 60 possible review fields — from gross yield to mould findings. Which fields are supported depends on the available, usable documents. Every critical finding is linked to its source in the original appraisal. Here are real analyses from the current inventory:

Plot · 4.003 m² · Guetersloh

Verkehrswert360.000 €

AI summary

Unbebautes Gewerbegrundstück mit 4.003 m² in guter Lage am Ortsrand von Gütersloh (Verkehrswert EUR 360.000). Hochspannungsleitungen begrenzen die Bebaubarkeit des Flurstücks 2058 erheblich; die resultierende Wertminderung von EUR 82.400 ist bereits verrechnet. Keine Altlasten oder Bodenschäden festgestellt. Die Grundlagen der Wertermittlung sind ausreichend dokumentiert.

Risk class2 — Manageable
AI analysis by ZVG Melder · Gütersloh · View auction

Condominium · 165 m² · Essen

Verkehrswert359.000 €

AI summary

Wohnungseigentum (Doppelhaushälfte) von 1904 mit 165 m² in Essen-Haarzopf, bewertet mit 359.000 EUR. Das Objekt zeigt erhebliche Außenmängel und wurde ohne erforderliche Innenbesichtigung bewertet, da der Eigentümer nicht zum Ortstermin erschien. Mit geschätzten Reparaturkosten von ~60.000 EUR (14% Wertabschlag) ist ein bedeutender Instandhaltungsstau dokumentiert. Die verbleibende wirtschaftliche Nutzungsdauer beträgt nur 24 Jahre. Die Eigentumssituation wird durch fehlende Regelung der Außennutzungsrechte und das Fehlen einer Erhaltungsrücklage für die Zweier-Gemeinschaft verkompliziert.

Risk class4 — Elevated
AI analysis by ZVG Melder · Essen · View auction

Detached house · 86 m² · Stolberg

Verkehrswert65.000 €

AI summary

Nach Dachbrand Ende 2021 befindet sich das Einfamilienhaus seit über 3 Jahren im Rohbauzustand mit unterbrochenen Wiederaufbauarbeiten. Eine Innenbesichtigung war nicht möglich, weshalb der Objektzustand großteils geschätzt werden musste. Der Verkehrswert von €65.000 entspricht im Wesentlichen dem Bodenwert (€61.500), während die Gebäudesubstanz durch Brandschäden, Wasserschäden und fehlende Fertigstellung mit etwa €80.000 (55% des vorläufigen Marktwerts) abgewertet wurde. Mehrere Untersuchungen und behördliche Klärungen sind Voraussetzung für eine Wiederinbetriebnahme.

Risk class5 — High
AI analysis by ZVG Melder · Eschweiler · View auction

Condominium · 35,2 m² · Alpen

Verkehrswert49.000 €

AI summary

Die Eigentumswohnung ist ein Renditeobjekt in zentraler Lage, dessen Gebäudesubstanz durch dokumentierte Feuchteschäden in erdreichberührten Kellerbereichen beeinträchtigt ist. Das Gebäude weist teilweise unterdurchschnittliche Instandhaltung auf, insbesondere bei den Fenstern. Eine Baulast-Eintragung, obwohl faktisch gegenstandslos, kann Finanzierungshürden schaffen. Der Verkehrswert von 49.000 EUR berücksichtigt diese Mängel bereits durch pauschalierte Abschläge von etwa 8.000 EUR.

Risk class3 — Medium
AI analysis by ZVG Melder · Rheinberg · View auction

Detached house · 161 m² · Klingenthal

Verkehrswert172.000 €

AI summary

Das teilweise renovierte Wohn- und Gewerbehaus ist aktuell unvollendet mit erheblichem Reparatur- und Ausbauaufwand (ca. 45.000 EUR). Das Heizsystem ist nicht funktionsfähig, da die Gasversorgung aufgrund von Zahlungsrückständen unterbrochen wurde. Trotz dieser bekannten Mängel liegt die Immobilie in zentraler, gut erreichbarer Lage. Der Verkehrswert von 172.000 EUR scheint die dokumentierten Mängel bereits zu berücksichtigen.

Risk class3 — Medium
AI analysis by ZVG Melder · Zwickau · View auction

These examples show what an available Premium analysis can contain.*

* Scope and freshness depend on the available documents and their processing status. A published appraisal does not guarantee a usable AI analysis. AI-generated assessment, not investment or legal advice. Check the original documents and the current court announcement.

How it works

1

Search

Filter recorded listings from 14 federal states by location, price, property type and year built, or search directly on the map of Germany. Premium adds filters for AI risk class and condition.

2

Review

Open a property: risk class with reasoning, opportunities and risks with original quotes, plus the guided due-diligence plan. The AI answers open questions straight from the documents.

3

Calculate

Set your bid and instantly see the acquisition costs currently included, the security deposit and open fee positions — investors run yield and cash flow on that basis.

4

Bid

Save your search and get an instant email on new matches, postponements and cancellations.

Why not just use zvg-portal.de?

You can. The data is the same — official and public. The difference is your time.

~12 hrs
on your own
~20 min
with ZVG Melder Premium

Seriously vetting 10 properties — typically 30–60 appraisal pages each. Conservatively: around 1 hr of reading and checking per appraisal, plus searching and date tracking.

Searching zvg-portal.de yourself

Search anew every dayQuery 14 federal states one by one — no saved searches, no email.
daily, by hand
Read appraisals yourselfUsually 30–60 pages of appraiser jargon per property.
~1 hr per property
Spot risks yourself — as a laypersonWhether a residential right, a special assessment or a missing interior viewing devalues the property is scattered through the fine print.
expert knowledge required
Track dates yourselfCancellations only appear as a note on the detail page. If you don't check, you travel for nothing.
daily checking
Compare changes yourselfThe portal mostly shows the current state — you have to spot version jumps yourself.
tedious

With ZVG Melder Premium

One saved search across state bordersNew recorded matches in your search area arrive by email.
automatic
Available appraisals processed with AIA 6-sentence summary + more than 60 possible review fields — depending on the available documents.
2 min per property
Spot risks in minutesThe risk class is not a plain AI score: we combine a deterministic rulebook with sourced AI signals from the appraisal. You see which properties need attention in minutes — with severity, source and a warning when the data basis is thin.
Rules + AI
Instant alert on postponement & cancellationYou find out by email — without checking.
instant
Current progress stays visibleVersions, date changes and cancellations remain traceable while the auction is active.
until the date

Hours per property become minutes.

Our directory is free as well — Premium is for everything that costs time.

Detailed comparison with the ZVG-Portal
Worth it

One overlooked risk costs more than 10 years of Professional.

€ tens of thousands

That's what a single overlooked detail in the appraisal can cost — a right of residence, a special assessment, hidden deferred maintenance.

≈ €2,400

That's what 10 years of Professional cost — €19.99/month, our most comprehensive plan.

Risks like these are often buried in the appraisal and easily missed. AI helps organise available documents with source references and open questions, so you can focus your review before bidding.

Pricing

The right plan for your search

The auction directory is and stays free. Premium unlocks every photo and document for each property and reads the appraisal with evidence: risk class with reasoning, rights and encumbrances, valuation analysis. On top, the AI assistant answers your questions about the documents, and saved searches with instant alerts report new matches. Professional is built for investors and power users: CSV/Excel export and the object dossier as PDF, investor search across the key appraisal metrics, per-property profitability calculation and unlimited saved searches.

Free

€0/ month

Use the directory for free — with 1 saved search and 1 watch for up to 5 courts

The whole directory. 14 federal states, updated daily from zvg-portal.de.
Search and filter. By state, property type, market value and more.
Every property in detail. All details, the case history and the risk class 1–6 on one page.
Stay up to date. 1 saved search at city or postal-code level reports daily by email, 1 watch covers up to 5 courts.
All photos and documents. The property photos as a gallery, appraisals and exposés as PDF downloads.
The appraisal, read with evidence. Risk class with reasoning and original quotes, plus rights and encumbrances, valuation analysis and contradictions to the announcement.
Questions about the documents. 20 questions per day to the AI assistant, the guided due-diligence plan orders the open items, every answer with its source.
Recommended
Premium

€9.99/ month

For the active search: every photo and document, the evidenced AI analysis of the appraisal and the AI assistant for each property

All photos and documents. The property photos as a gallery, appraisals and exposés as PDF downloads.
The appraisal, read with evidence. Risk class with reasoning and original quotes, plus rights and encumbrances, valuation analysis and contradictions to the announcement.
Questions about the documents. 20 questions per day to the AI assistant, the guided due-diligence plan orders the open items, every answer with its source.
Miss nothing. 5 saved searches and 25 watches alert you instantly by email, nationwide, including when an auction is cancelled.
Calculate and filter. Your own cost positions in the calculation, filters by gross yield, €/m² and risk.
Take your results with you. Search results as CSV or Excel, the object dossier as PDF for bank and exposé.
Compare the whole market. The investor search shows the key metrics from the appraisals in a filterable data grid.
Calculate profitability. Yield, cash flow and debt service, prefilled from the appraisal.
New
Professional

€19.99/ month

For investors and professionals: CSV/Excel export and the object dossier as PDF, investor search, profitability calculation and unlimited saved searches

Everything in Premium, plus:

Take your results with you. Search results as CSV or Excel, the object dossier as PDF for bank and exposé.
Compare the whole market. The investor search shows the key metrics from the appraisals in a filterable data grid.
Calculate profitability. Yield, cash flow and debt service, prefilled from the appraisal.
Built for many properties. Unlimited saved searches and watches, 100 questions and 500 downloads per day.
Your own question catalog. Save recurring questions and sharpen them with AI feedback.

Single objects, no subscription

Your first auction unlocks for free. Every further one costs €4.99 once: the full AI analysis, all documents, photos and 200 questions on that object, permanently and with no term.

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