Drivers, fleet managers and dealers in Germany and Austria are watching leasing and financing closely as new market data and bank surveys point to mixed signals for mobility costs. On 2 November 2026 the leasing‑comparison platform Preiswert Leasen reported a median effective leasing factor of 1.05 for private new‑car offers (48 months / 10,000 km per year) — a median monthly rate of €429 — while battery electric vehicles remained substantially more expensive to lease, with a median factor of 1.14.
What the numbers say
Preiswert Leasen’s daily marktdaten (stand 02.11.2026) are based on n = 58,247 active offers in the sample and show the overall median factor declining slightly from 1.06 a week earlier to 1.05 (a change of −0.01). The platform defines the leasing factor as the effective monthly rate in percent of the list price (48 months / 10,000 km per year, private customers). The report lists quartiles too: the middle half of offers sits between 0.87 and 1.18.
Breaking the market down by powertrain, Preiswert Leasen reported medians on 02.11.2026 of 0.99 for petrol cars and 1.14 for electric cars; diesel models sat at 1.00. That gap underlines why many private buyers and fleet planners still face higher monthly leasing charges for BEVs in Germany today.
Credit conditions and financing pressure
At the same time Germany’s Bundesbank published the October round of its Bank Lending Survey (press release, 27.10.2026), reporting that the loan rejection rate continued to rise across loan categories and that demand for loans had fallen on balance in the third quarter. While banks on aggregate did not tighten credit standards for consumer credit and other lending to households in that survey round, they did make terms and conditions more restrictive on balance for consumer credit. The BLS notes the survey covered the period 21 September–6 October 2026 and had 33 participating German banks.
