Outgoing loan fees

[GShaan]

So this is my fourth long term save and each time I am facing an issue when trying to get a loan fee out of other clubs. In previous versions I used to loan out players with a minimum of 100k-150k per month as loan fees and sometimes if it was a really good player, I would have even managed to get 250k. However in Fm22, I rarely manage to get 100k (I think it is 1 in four or five loans) which means that method of generating funds is now broken.

For example in my current Real Sociedad save, I am in my second season..found a 20yo midfielder called Benat Turrientes. My assistant has a 4.5 star potential rating (3.5 gold). He is valued at 17M, has good stats and even can be used as a backup for my team. But I already have one and the player was moaning he wanted to go out on loan. Has a wage of just 4k and when I listed him for loan there was interest from 4-5 teams. But when I offered him out with a 100k loan fee, none of them bid. Had to instead send him out without any loan fee

[toolkit68]

Loaning a player basically has two interested parties. One group is the clubs that simply dont have the funds and reputation to attract any players of a certain level and the other group is the ones that probably could but either dont want a long time commitment financially or who simply need someone as an emergency solution until they decide for the right player for good.

100k fee basically eliminates the entire former group. The latter group plays probably in the same league level as you and would consider him only a backup.

I personally feel the loan system is broken since FM22 in that way that clubs want insane fees all the sudden on top of 100% wage. Why on earth would i do that? If the club cant play him, me paying all his wage plus playing him should basically be enough. I can accept extra fees for some really terrific players - but not as a norm.

Edited June 7, 2022 by toolkit68

[GShaan]

But it is not just that. In the final week of the transfer window of the second year had a loan offer for Isak from Real Madrid. Now Isak is my first choice striker. Scored 20 goals last season and in the first five games this season he had four goals. Valued at 58-83M (thats what the game says), has a wage of just 45k. Premier League teams had offered to buy him, offering up to 64M but rejected it coz they wanted to pay in installments and I will let him leave only if someone pays me his release clause. Madrid came up with a joke of an offer, willing to pay only 50% of his wage and a transfer fee of 75k-150k(non playing) along with a future fee of 23M and an additional 29M in installments.  Obviously I turned it down. Now I would have understood this deal if Madrid were struggling financially..but they then go on and on transfer deadline day spend 78.5M on two defenders with a combined wage of 375k (they now have nine for a back four and just three strikers for a front two). Have no one else found it difficult shifting players out on loan?

[toolkit68]

You didnt get my point. This is basic financial knowledge - a player has a wage. If I would get that player myself i would have to pay the same wage thus an added extra fee only makes sense in certain cases. Like I lack really someone on a certain position and I am desperate to get any player with certain skills but my transfer budget doesnt allow me to sign any with that calibre. So loaning one for the full wage plus a sensible fee if it is really something special makes sense in managerial terms.

In your example the offer calculates the paid fee over the course of the loan as part of a transfer fee - I would do the same. Lets do the math here:

45k is what you pay the player each week in fixed wage - plus there are probably some bonuses. So lets be generous and lets say you pay him 60k weekly. Your actual fee you want from the other club exceeds already what you would pay that player by about 200% in non-playing situations. Even in playing situations you would still profit since the fee also exceeds the players wages+bonuses plus he is actually playing thus developing. But the club actually also offers to pay half the wage - even more profit for you.

As of the transfer offers: England has totally weird prices compared to most other countries. I call it well overpaid for what other players in other countries with the same abilities get. Offers you get from outside the UK will always be less pricy than what you get from internal clubs. This is one reason why you deem the example as too low - Spain would never pay a player with his abilities what clubs in the UK pay. So 23+29=52 million for the player plus 300k times 6 for that fee during the loan equals 1.8 mill.  So all in all the offer runs up to some 54 million give or take. That isnt that far from what you got offered from other clubs since as i said alerady UK clubs pay inflated prices.

P.S. Just a sidenote about player prices: When you play FM standard almost no other league beside England has enough lower leagues simulated to create the same amount of developed players as the UK gets. That leads to those inflated prices. I play mainly German clubs and play with a special database that also simulates a lot more lower leagues. When i compared prices between games with that database and just with the default one after a few seasons there was a large gap. This is mainly due to now many more players get actually time to play and develop beside the few ones in the standard database.

Edited June 7, 2022 by toolkit68