Pay now/Pay Later

[wojtek16sz]

Hey guys, I looked at a bunch of references regarding transfers and finances (including a transfer market guide in this section) but I couldn't find anything regarding my question. I would really appreciate any insight and thank you in advance!

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I recently had a situation where I had a transfer budget of 15 mil Euros. This was in January transfer window and I had my slider maxed out to transfer funds. I attempted to buy a player for 13 mil + future payment clauses (monthly installments, etc) totaling 4 mil (tried each one individually and also combinations). The club accepted and contract was accepted, however the deal was canceled due to lack of funds. I guess I understand, since 13 mil + 4 mil = 17 mil which is greater than 15 mil, but shouldn't future clauses not have an effect? After all, these clauses might not even be triggered..

Whatever the reasoning, I decided to accept it, HOWEVER, I later came across a counter-intuitive situation.

I had about 13 mil Euros in a different game. I bought a player for 8 mil + 2 mil over time (after league appearances). I still had a physical budget of 5 mil Euros. I ended up buying another player for about 4.5 mil. So in total: I spent 12.5 mil up front (and had remaining physical budget of .5M) + 2 mil guaranteed = 14.5 mil > my initial budget. Where does the money to pay for these future payments come from?

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So whats the deal with future clauses and their effect on budget???
My conclusion:
1) If you make a deal with future clauses, only the up front amount is deducted from your budget.
2) You may then spend "up front" as much as is allowed in the budget and only when any ONE deal goes over budget (including over time money) will it be disallowed.
Isn't this kind of a loophole? Can't you just make several transfers with small up front fees but each having high over time payments?

Simple example:
10 mil budget.
1 player for 2 mil + 7 mil over time= 9 mil total [deal goes through] Remaining budget: 8 mil
1 player for 2 mil + 6 mil over time= 8 mil total [deal goes through] Remaining budget: 6 mil
1 player for 3 mil + 6 mil over time= 9 mil total [deal goes through] Remaining budget: 3 mil
1 player for 5 mil + 6 mil over time= 11 mil total [deal doesn't go through] Remaining budget: 3 mil
1 player for 1.5 mil + 7 mil over time= 8.5 mil total [deal goes through] Remaining budget: 1.5 mil
1 player for 1.5 mil + 8 mil over time= 9.5 mil total [deal goes through] Remaining budget: 0

Totals:
5 players: 10 mil up front + 34 mil over time :O
I know that this isn't much of a loophole since it will be bad for the financial situation of the club and will severely effect you next transfer budget, but isn't it technically possible?

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Is my reasoning correct? If not my concerns are: How do transfers involving future payments work? What are the limits? Where is the money to pay for them allocated? What effect does it have on the budget/future budget? Where is money taken from to pay for these future payments?

 

[Montanaro]

yes, you can buy a few players with little cash up front and higher fees monthly.

It's not a "loophole" that's how the credit system works.

Keep in mind what your monthly payments are. A transfer might be abandoned if your total monthly payments for the season plus cash up front are greater than your budget. So if you have a budget of 10 million and buy a player for 8 + 4 over 24 months it will cost you 8 million plus 2 million over 12 months equaling 10 million. The other 2 million for the second term of the "loan" will paid off using your next budget.

 

[Lol_101]

try not too owe teams alot money, as u could be in financial fiasco, and u'll be in huge debt and the board may collapse (sarcastic ).

but this is how i think the monthly installments work. in ur situation, with a 15m budget. i want to buy a player, but the min. amount the club wants is 13m.

so i bid , lets say 3m initial, and 10m in by 24 months, or 2yrs. this completes the bill of 13m for the player now that the deal could be sealed, ur 15m will go down to 2m since the 13m will be written down as the amount for 'players bought'.

now the initial 3m is given straight to the club, and the 10m will now be divided into 417k p/m (payments per month), for 24 months. this 10m is set aside as a clause in the club's transfer details under the hood of 'players bought'.

u can go to the transfers tab, and select 'clauses' to see all clause u owe and earn if triggered.

 

[wojtek16sz]

Alright thanks guys. Also, I know how the credit system works, but the game has a loop hole being that in real life, a board would never allow it to go this extreme. Yes there are massive debts, however I think these are rarely debts to other clubs, but rather debts on loans.