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monthly cost for loans


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I'm playing as Villa and am looking to sign Joel Campbell on a season long loan. I cannot afford to pay any of his wages but can match the monthly contribution by paying it all in a monthly fee. However, when it comes to finalising the deal I lose nearly £4m off my transfer budget when the monthly fee is only £210k. Surely I should only lose the first £210k or even if it deducts the whole fee it should be around £2m rather than the £4m it does.

On a different note, I have signed a player whose contract expires in 6 months from the Norwegian league so he won't join until January yet I have had £300k deducted from my budget.

Please help me understand!

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The money isn't actually gone, but obviously all deducted from your budget. Otherwise you'd be able to spend it multiple times.

Regarding the loan deal, there's more taken into calculation there than just the monthly fee afaik.

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