you wouldn't have enough money to complete the deal.
As I'm sure you know, monthly installments come out of your bank balance once a month instead of paying it all upfront. This can be usedful if you defer a transfer overmore months then are left in the season as it means you don't need the full amount available now.
As a general rule of thumb, if the transfer happens in the summer then teh first 12 months come out of this seasons budget, if it's in January then only the first 6 months come out of this seasons transfer budget.
Therefore as all the options for how long your monthly installments are paid over are in groups of 6 months, you can easily work out how much of the payment will come out of this years transfer budget.* If you divide the number of months your monthly installments are being paid over, that will give you the amount coming out of your transfer budget if you are in January, if you are in the summer, you will simply need to double this amount.
That's the simple way of calculating monthyl installments, Obviously if you are using both monthly installments and a up front payment** then you need to use the above method to work out how much of the monthly instalments are coming out of your budget for this year and add it to the up front fee to get how much the transfer will take out of this seasons budget overall.
*this is the simple version and works at least 90% of the time, the longer version works 100% of the time and I can explain it to you if you want
**an upfront payment is a normal transfer fee
