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  • The Loan Market doesn't pass the 'Blink' Test.

    Jellico73

    By Jellico73

      • Public Status: Known Issue Files Uploaded: None
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    This came about as an issue with one save, but I have noticed it in my others as well.  The following is from a previous thread.

     I am playing Santa Clara in Portugal.  Promoted from the 2nd Division, I haver the smallest transfer budget in the League, and the smallest payroll budget.  My Finances are shaky, I get 10% of my transfers, and my transfer budget is 203K.  Of my 78K payroll allowance, I am spending 73K.  Scouting wise I am spending 1.7K a month scouting Portugal, I have a Chief Scout and a Scout.  I can't form a B Team or a U19 team because I do not have the payroll available to hire coaches.  I have 1.9 million in the bank, 

    This is Giorgi Abuashvili.

    image.thumb.png.3efea7afa89a8c74b7500cc9353b18cc.png

    A Georgian International listed by Porto for loan, he is currently on the B squad.

    Last season he spent 10 months in le Havre at 1.2K a month.  And their finances are a lot better than ours.

    image.thumb.png.054202568fe6580d491fa46240cf2177.png

    On my squad, which is not the strongest by a long shot, he is a 4 star player.  I can buy him outright for 8 million if I had it, 5.5 up front, 3.1 in payments and another 1.1 after 10 international appearances.

    This is what they want for him loan wise:

    image.thumb.png.d9916b098a446532329dd510bf9cda7a.png

    How is this a legitimate offer? 

    My Balance right now is 1.9 mil.  Getting him would cost me (135*10) x (2400*40) is 1.35M + 96K is 1.446M, which is 75% of my available money.  I don't know what sort of accountants Porto has, but if they are looking at my finances and are assuming I can absorb this cost, I don't want them anywhere near my income tax returns.  

     

    Now, I am currently playing Saint Etienne, it is January of 2024, and there's strange things afoot with the loan Market.  It's not broken per se, but some of the decision making by the AI seems to be....questionable.  I have uploaded a save, it is 

    ASSE - Start Of Transfer 2024 Window - Jellico.fm

    All of the following players are at least 2 star current, 4 star potential players.  I apologize for the wall of text.  Almost All of these players have been listed since the start of the season, and these are the minimums each team is willing to accept.


    Hampus Findell  No Games played. 59K a month, 100% salary and 3.6M optional?
    Hugo Ekitike.  Was a part time starter last season.  Initial offer is 175K/350K a month, 70%/100% of salary (25.5K), and 42M Optional fee, for a player they bought last season for 28.5M?
    Simone Ghidotti.  Opposite end of the spectrum maybe.  2.9K a month, full salary (11K) and a 130K future option.
    Rodrigo Riquelme.  Middle of Road.  47.5K A month, 100% of 6.7K salary, 2.8 Optional future fee for a starter.
    Bright Arrey Mbi.  69K a month/ only asking 20% salary, 5.75 M Optional.
    Pape Sarr.  175K/350K Month, 80/100 salary split, 34M Optional Fee.
    Luca Moro.  155K/300K month. 100 salary, 9.25M optional Fee.
    Eric Dina Ebibme.  105/210K Month, 100% salary, 9.75M Optional fee, 2 bench appearences this season.
    Doron Leidner 88/175K Monthly, 80/100 salary split, 5.25 Optional Fee
    Mounir Chouiar.  52K Monthly, 100% salary, 4.1M Mandatory fee, 15 starts, 3 goals, 1 assist, 1 POM this season.  Or they want 8.25M for a txfr.
    Awad Al-Nishiri.  24.5K/49K Monthly, 20/50 salary split, 10.75M optional fee. 8 Starts 2 goals
    Lucas Munoz, the striker.  34/68 Monthly, 70/100 salary. 2.8 Optional fee, never played a game for the team he is on at the moment....
    Elias Britez.  10.5K/21k monthly., 100% salary, 625K Optional fee, Has never played a league game in 7 years, is currently on the 16th ranked team in 2nd Division Argentina?
    Marquinhos 175K/350K, 60/90 salary, 22M optional
    Sala Oulad M'Hand 175K/250K, 80/100 monthly, 16.75M Optional.
    Jake Batty 175K/350K Monthly, 80/100 salary, 21.5 M optional, part time starter for relegation Zone Blackburn
    Rob Apter 53K/100K Monthly.  80/100 salary, 3.2 M Optional.  A mediocre starter for the 20th place team in the Championship?
    Erik Shurvanov 95/190K Monthly, 100% salary, 2.7 Mandatory fee for a Bundeliga 2 player.
    Junior Bita 34/68K, 100% salary, 2M optional fee, 12 career games
    Giuliano Simeone, 66/130K Monthly, 100% salaray (20K), 4M optional Fee, 
    Mads Bistrup  300K/600K Monthly, 100% of 20.5K salary, no starts this season, contract expiring in 6 months. Txfr would be 5.25 up, going to 10.
    Amidou Diop 33/66K, 100% of salary, 2M optional fee, career 7 games.
    El Bilal Toure.  300/575K Monthly, 100% salary (5k), 8.25 Mandatory fee.  1 Goal in last 34 games...
    Adam Idah.  350K/700K, 100% of 22K salary, 9.75M Mandatory fee.  11 goals in 75 games on a Championship Club...
    Wahid Fahgir.  950K/1.9M MONTHLY, 100% of 21.5K salary, 27M Mandatory fee.  I had him in a previous save, he topped out at 150PA.  Is 150 PA worth 950K monthly?  Would these num,ber come down If I had fully scouted him?
    Aziz Ouattara 375/7650K Monthly, 1005 of 4.2K salary, 14.25 optional fee, 38 first team starts in 3 years.  He's 4 years older and maybe a little better than Junior Bita, but 300K a month better?
    Ayman Aiki 125K/250K Monthly, 80/100 salary of 8250, 7.5M Optional fee.  4 Career starts I just sold him to Brentford for 1.3 Mil...if I had kept him and tried loaning him out for those numbers would anyone have signed him?
    Nicolo Amadori 43.5/87K monthly, 100% of 2500 Weekly, Mandatory 4.5M fee.
    Rob Apter 53K/100K Monthly.  80/100 salary, 3.2 M Optional.  A mediocre starter for the 20th place team in the Championship?

    Now, maybe it's the size of my database causing such discrepancies, (All the leagues and ~450K+ Players) I am sure there are players out there I probably haven't scouted that are just as good as the players I have listed and I can get the in for much less.  

    Like I said in the thread title though, some of these numbers just do not pass the 'Blink' Test in my opinion.  I understand paying more for a Premium player, but Fahgir and VFB Stuttgart are currently in 17th place.  Meanwhile Salzburg wants 215K/425K monthly, 2K weekly and an optional 12.75 future fee for Karim Konate, and City want 175k/350K Monthly, an 80/100 weekly salary split from 11,500 and an optional 33M fee for McAtee.  And I remember from that same previous save Faghir, Konate and McAtee are pretty similar in terms of CA/PA. 

    So why is Faghir going for 4x the asking price of the others?  Apter for that much money?  Bilal Toure?  Jake Batty? From what I can tell it's not player reputation, or team, or league, but I will also admit my knowledge of how the loan market works is a best a powerpoint slide deep.   If these were all 17-20 year old 2 star current 5 star potential players, I can see some of the numbers being within the realm of reason.

    Or maybe the loan market isn't supposed to make sense and it's working as intended.  I have a hard time believing that when a player who was loaned out for 1.2K a month last season is now going for 135/275K a month...but stranger things have happened in Finance and economics.

    Thanks for looking,

    Jellico

     

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    • SI Staff
    Michael Sant

    Thank you for putting the time in to provide such a detailed post with a lot of information. Our QA team are looking into this and we are aware of some issues with loans which we are looking to improve upon. It's worth mentioning that its a complex system and each player/club will have varying reasons behind the valuations they come to.  Great amount of information to see though and we do appreciate this.

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    Jellico73

    Hi Michael, 

    Appreciate the answer.  I agree that the system is a complex one, and to be honest that's one of the reasons some of the examples I gave stood out.  More than happy to help, and thanks for the update.

    Jellico

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