monthly instalments

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alexjp123

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could someone please explain to me how this works? say i f i want to buy a player worth £1million, whats the best instalment? roughly how much should the initial payment be? how many months? etc.

any help would be grand because i have no transfer money!!!
 
If you can get the player for bang on 1 million, and you have 0 budget, then 48 monthly for 1 million would be only option.

This money still comes from club finances, so be careful not to bankrupt your club this way.

---------- Post added at 04:32 AM ---------- Previous post was at 04:30 AM ----------

If you can get the player for bang on 1 million, and you have 0 budget, then 48 monthly for 1 million would be only option.

This money still comes from club finances, so be careful not to bankrupt your club this way.
 
afaik, if you have £0 budget you can't buy any players...

monthly instalments works thus: (at least, I'm pretty sure this is what happens)

When you buy a player and pay in instalments, the initial fee AND the first years payments will be taken from your budget (this might be adjusted if the purchase is in the January window to the first 6 months of the instalments - not sure). Subsequent transfer budgets will be adjusted to take into account the payments already owing.

So, if you want to buy a player for £1 million and pay half up front and the rest over 2 years you will lose £750k from your transfer budget.

If you choose to pay the whole amount in instalments over, say, 4 years, then you will lose 250k from your transfer budget initially.

Basically, "initial fee" + "first 12 months instalments" = "total loss from transfer budget"

someone please correct me if I'm wrong, but that's the way I work it out when buying players and it seems to be correct (or pretty close).
 
Is taking advantage of this considered cheating?
How many people actually buy players using this method?
I have totally revamped my Stoke team using 48 months for every transfer but feel like it's totally unrealistic
 
Is taking advantage of this considered cheating?
How many people actually buy players using this method?
I have totally revamped my Stoke team using 48 months for every transfer but feel like it's totally unrealistic

its not cheating
 
Is taking advantage of this considered cheating?
How many people actually buy players using this method?
I have totally revamped my Stoke team using 48 months for every transfer but feel like it's totally unrealistic

Enjoy being bankrupt in a few season's time. Always use instalments with caution, they're your ticket to financial ****.
 
Enjoy being bankrupt in a few season's time. Always use instalments with caution, they're your ticket to financial ****.

But if the team improves and I win more prize money etc then my finances should be ok!!
Pressure is on to deliver big time lol
 
I only use it on key players when on a low budget. It's a tool to use sparingly, for it can be as rewarding as it can be dangerous. And for those who say it's unrealistic, good luck finding many clubs paying the whole package up front IRL.
 
Real managers use it in real life mate, that is why it is an option!

to answer your question, if you can afford to buy players in full, do it as your future Transfer Budgets will not be affected and you wont be owing money every month!

if you have no money but you would like to buy in some key players, then use the 48 month option, just remember though, that you are going to be paying money every month for 4 years and if you do this for say 4 players, you could easily be paying close on and more than 1million a month.... which is alot of money and can lead to bankrupcy and even Administration...

if you are going to do this method (which we all do) then you are going to have to start winning some competitions and getting placed well in the League (European Qualifications etc etc) to enusre that you can generate the money that is owing...

another method that I use is that instead of selling players for upfront cash, I sell them over a 48 month period, I try and get to a point that the money I am spending every month for my new player is countered by the money coming in from my old player... and even more so that I would be getting in money every month rather than spending...

so the moral of this story is:

1) Do it for key players, but ensure that you do not over do it
2) For the 1m player, do it over 48 months as you will only be paying 21k a month :) for 4 years which is not much...
3) Be sure to try and counter the expenditure by selling players over 48 months
 
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Raikan's pretty much spot on in what he' saying..

I personally only use monthly installments as a last resort or if my balance is nearly in the red and I know my clubs going to make a profit. Always have one eye on your finances as it's very easy to go into the red and not all owners are willing to keep bailing you out. Re-vamping your squad using monthly installments is a pretty bad idea, considering clubs like Stoke don't make that much profit especially if you are adding £1m on transfers each month for the next 4 years and an extra £200 - £300k per week on the wage bill, this will also massively effect any future transfer budgets and the likelyhood of upgrading any facilities.
 
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I overdid it with monthly instalments at the start of the season but Now, due to January sales and no January tranfers I have a budget of 40mil to spend! (90% transfer revenue)

Is there a way to give some money back to the bank? I keep having loss every month... Or there is a way to pay for the instalments through my transfer budget ?
 
yes, put it in your wage budget, this earns you much needed interest :)
 
I never use monthly installments as I always make a loss of £2-3mil each month anyway
 
I always use installments n never come in financial trouble. Dont overly spend though.
 
when needed i always use monthly instsallments but try not to overspend
 
i've gone a bit overboard atm with my Leicester team :S But providing i keep getting better results, the income will even it out?
 
Do you have to have the funds already in your transfer budget just tried to sign Bale for 40m over 48 months got message saying do not have enough funds
 
Do you have to have the funds already in your transfer budget just tried to sign Bale for 40m over 48 months got message saying do not have enough funds
In order for that transfer to go through, you would require at least 10 million in funds.
 
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