TheUltimateScotsman

u/TheUltimateScotsman@alien.top
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paying ridiculous amounts with money loaned from banks.

That's how most of these transfers are paid though. It's particularly obvious with release clauses.

Clubs offer better value for transfer with a significant amount upfront. The buying club hasn't got that money but the interest they pay will be lower than the premium the selling club wants for more installments. Take out a loan and it's ok. Clubs are fairly low risk in terms of lending. Even a club massively in debt will almost always pay their loans eventually.