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Loans not reducing


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Can anyone help? I have 125mil in the bank with a project balance of 275mil for next season yet my bank loans don't seem to be reducing, I am playing on FM14

Loans are:

Bank Loan of 37Mil paid at 2030 with 14.75Mil remaining.

Gift Loan of 47Mil to chairman which is repayable on departure.

Gift Loan of 31Mil paid at 2023 with 5.75Mil remaining.

Bank Loan of 15Mil paid at 2028 with 8.75Mil remaining.

I am in 2022 and all that changes is the date pushes back. Originally the debt should have been completed on 2018.

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You have two different loans there.

For the bank loans you should be paying a monthly installment which reduces the amount outstanding constantly with the loan ending on the dates shown. If it isn't doing that its possibly a bug.

The first gift loan is payable when the chairman leaves the club although he may take some of it back at random times if the club have plenty of money.

The second gift loan doesn't say much but usually these are paid back at random intervals when the board feels the club can afford it.

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