To Loan or Not to Loan: An FM Guide

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Developing wonderkids is a tough task in FM. Finding and executing the right loan can make all the difference between actually developing that wonderkid and having another story about how Football Manager let you down. That is what this loan video is for. Having good finances and making money in FM is difficult too. That is what this loan video is for. Getting rid of players on big contracts and finding a cheeky way to get those tough transfers through on Football Manager is tough. That’s what this loan video is for.
Loans on FM can serve a wide variety of roles for your team, so learning all the different pieces of loan dealings can prepare you to talk full advantage in transfer negotiations. Then having an understanding of the tactics behind loan dealings can put your young players in a position to succeed while out abroad to gain experience on FM. This guide is to lay out these loan tools on Football Manager in a way you can apply that knowledge in your saves, effectively. A tutorial in development too. Loans are just good to know, so let’s make a classic Zealand video about it.
Much Love,
FM Senpai
Podcasts:
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Armchair History ► open.spotify.com/show/2QCd3Ti...
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Опубликовано:

6 мар 2021

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Комментарии : 151

@austinsilva6488 3 года назад

I don’t even play fm21 but I love this guy’s personality so much I still watch him

@MrTwoojStary 3 года назад

I know everything about loans, and still watched it

@tayyibhussain869 3 года назад

Same lmao

@fiorafps 3 года назад

@@MrTwoojStary same here, his videos are great

@2xAcTiOnXJaCkS0nx 3 года назад

This guy is the reason I play FM lolol

@Deacon4105 3 года назад

I’m the same don’t care what content it is I just watch it anyways cus he’s hilarious 😂

@rw9567 3 года назад

My mum said thank you for not swearing it means I can watch these videos

@dantespina7398 3 года назад

Loved discovering this channel last year when I was getting into FM, its like my education for FM, breaking down each aspect of Football Manager and explaining how it works. All hail the FM University of Zealand.

@Roscododger 3 года назад

Zealacuse 2021!

@bertbasset3745 Год назад

Best RU-vidr around

@tomazriel12345 3 года назад

Loan can’t be terminated means that the loaning team can’t send him back to you. There’s a section there that says “can be recalled” and that’s the one that means you can get him back whenever you want

@chines1989 3 года назад

one thing you should know about loans: besides the details, there's a "target" bar. You can use it to send the loan offer to every club of the selected countries. Sometimes I get over 100 proposals for one player

@jamB1 3 года назад

Me and the boys getting the same man on loan every season because we can't afford him 😭

@gandalfthegrey7135 3 года назад

I knowrhat feeling And what hurts most is when he goes from superstar to bench warmer in your squad and you still can't afford him :(

@JM-pm3ob 3 года назад

FM19 I had Valverde loaned to Palace for three straight seasons, I miss him even now

@tholomew 3 года назад

@@gandalfthegrey7135 Just keep loaning until their contracts run out, it's my go to move ;)

@Exiled_YT_ 3 года назад

I done that this year with Alex Collado and when the contract finally ran out. Lazio got him

@franciscomarcelino1251 3 года назад

Man so relatable, i have a player loaned in for 5 seasons in a row in my team from Slovenia XD (Marco Molla, good keeper tho)

@gandalfthegrey7135 3 года назад

The years 2021: where you can make an entire intro joke about you getting a haircut

@robbynmbanx3160 3 года назад

Hello Sir 👋❤

@BlueWoWTaylan 3 года назад

This is the video I needed. I am always unsure when to loan out my youngsters. Some actually force a 'promise' when you try to sign them at 16 to ''will send on a loan to develop'' but I find that, them staying at the U19s and actually training in my better facilities are BETTER than them going to a lower league team to play terrible, with 6.5 average rating.

@laoganmafootballclub6632 2 года назад

Why leave Eskişehirspor to play at Bayburt Öl Spor for a season???

@jameshartlonuk 3 года назад

I love the tips and hints you give on FM. Thanks for sharing your knowledge. Your videos are really enjoyable and easy to watch and understand. Keep up the amazing work!

@Th4tguyty 3 года назад

Loving th vids dude, I am a new viewer and I'm hooked to your vids

@Jacob05 3 года назад

I love loans, I have a Manchester United save and our youth is insane. They could all get into the first team but I don’t have space. Every year I have around 15 players on loan and most of them become key players for their teams.

@javorgeorgiev6130 2 года назад

Loans saved me in my save. I really needed my youth to develop somewhere and also took over a club in debt so I needed their full salaries paid. Portugal for me in 2021 is like an alchemical machine for development. They take my trashy second tier Bulgarian football club youngsters on full salary, give them more playing time than we agree on and have good to great training facilities. I developed a full team there. It's a gift that keeps giving and asks for almost nothing out of me. In the meantime higher league free loans kept me afloat and surviving relegation. 50% of my team was loaned players. The rest old veterans in the last year of their retirement. The video helped a lot. I got one of my most satisfying storylines out of the loan experience. My veteran supporting target man won player of the league and retired with a bang. We finished 6th out of 15 with no debt left. He left a hero and I felt like the Special One.

@masternoel123 3 года назад

I run a loan slavery system in my save.

@Themadness42 3 года назад

Chelsea is that you?

@issamasghar5203 3 года назад

In fm 19 i had a save in which i signed every decent player on precontract and loan them out for the rest of their career for monthly fee at the peak i earned 150mill a year just from loan fee

@Gabriel-vr8cy 3 года назад

@@issamasghar5203 damn, despite several teams being interested in my players, no one ever wants to loan when I offer them. Drives me crazy. I don’t even demand anything anymore, still nothing

@issamasghar5203 3 года назад

@@Gabriel-vr8cy i had it preset to 100%value and start from.there sometimes they offer the same value but most of the timea i have to decrease the price but its a great starting point and i loaned all of my players that year just to see how much can i get other then 1st team 30 players i had no one everyone was loaned

@erickbarbosa2935 3 года назад

@@Themadness42 anyone can call this guy unrealistic

@jasonyang9721 3 года назад

One thing I've found extremely useful is the loan fee, loaning out wonderkids you can get the loan club to cover the entire salary and add a monthly fee (sometimes over 15,000 per month)

@alexanderbarnett4948 3 года назад

A loan system would be very cool in the NFL. You are able to have 5 practice squad players/players in general who you don't think will get playing time. Loan them out and their cap implications go to the other team or not but they get to play while under contract for you. Plus a predetermined fee like a 3 re rounder would be a buyout

@tayyibhussain869 3 года назад

The loan deal with the barber fell through 😅

@alanansara2190 3 года назад

If the original loan offer was "rotation" I don't even bother negotiating for more playing time...because the AI lies, all the time. They promise 1st team football & don't play him. Also, since most FM players stockpile hot prospects I often find I have too many 19-21 yr old players ready for 1st team football at my club but who's transfer value hasn't been optimized because I can't give them 1st team football. So, I go all Chelsea & loan them out to top leagues all over the world to build their transfer value & sell them the following yr. or 2.

@laoganmafootballclub6632 2 года назад

Chelsea's model is valid honestly

@AurioDK 3 года назад

Never figured out how much you can demand a month for a player besides wages.

@KeksnussSC 3 года назад

I think the 'loan can not be terminated' is for the club where the player goes to so that they can't just terminate the loan deal. You as the loaning club can recall the player regardless of this clause.

@Mr_jz_12 3 года назад

Watching the intro........... "yep. time to stop drinking tonight." the 3rd team........ the chelsea way.

@matthewcollier4408 3 года назад

damn i really needed this video thanks for this

@iwannabeedouard1610 3 года назад

Celtic lose 10 and ZeaIand makes a loan guide.He’s d perfect man for the job

@euanmcgeary5664 3 года назад

Knowing our board very likey... Hail Hail!

@erickbarbosa2935 3 года назад

he wouldn't be allowed to sign 20 south American wonderkids though

@dantespina7398 3 года назад

The thing with loans, is so far I haven't had a player that I have loaned out that has made it in my first team, it's almost a curse meaning they will be sold in less than 2 years. Sometimes that is beneficial, as I can sell benchwarmers for 20 mil, due to high reputation. That's probably on me signing players who I think will be good and never do, or just poor development.

@gandalfthegrey7135 3 года назад

I'm 5 years in my recent save (Hertha BSC) and I used loans to either make players that I don't need anymore quiet (not in my team, not my problem) or to give wonderkids a whole lotta playtime on a position they wouldn't start in my team. So I brought this Argentinian LW for 6 mio at age 18 (he couldn't get the club grown badge). Loaned him to Augsburg (Bundesliga), after that I loand him in the Serie A (Parma). He developed quite a bit, but my XI Wingers + bench where still far too good. So I loaned him to a direct rival (which has still a slight notch over us) to RB Leipzig. There he decided to shoot them to the Bundesliga Title and good runs in both CL and DFB Pokal. He was their key player and had more goals+assists than games

@dantespina7398 3 года назад

@@gandalfthegrey7135 Yeah thats a common occurence, too many times wonderkids not doing what you thought they might. Loaning him to your title rival looks so painful in hindsight. So much pain, how's he done that then. They are definitely giving him some special juice to make him that good.

@gandalfthegrey7135 3 года назад

@@dantespina7398 It was really painful to watch him doing this... I lost out to the Bundesliga title by 2 points and a slightly worse goaldifference... But he came back and he's an absolute beast in my team too. On average 0.9 goals (assist or scoring) per game. Not quite his RB Leipzig stint but we still got time. I mean he's still 21, considered a world-class winger, his value exploded way beyond the 30 million mark and after his 5+3 year contract extension he just wanted to earn 2.5 Mio (48k per week). What a lad lol

@dikajos1988 3 года назад

loans are perfect in my newcastle save. example: I've bought italian RB from Sassuolo for 16mln euro. he was 19, and my first team RB was 26. first team guy had 3/5 stars in both skills and potential, young italian guy skills were 2/5, so little lower, but potential to be superstar 5/5. loaned him to another premier league club for 6 months and another season to fc porto. when he came back, he was better than the older guy. now this italian guy is 23 and one of the best RB on the planet :)

@abrarmasood2710 3 года назад

The thing about loans is you can abuse them. If you initially loan a player that has far greater ability than the rest of your players you can keep loaning them for the remaining of their parent club contract. I loaned alpha dionkou for 5 seasons from city to the prem with chester he overperformed like hell. Loaned him because city became our affiliate. Signed him when his contract ended and sold him to scion for 16.5 mil. And as for loaning out players i follow the Chelsea strategy. I make a profit on my wage bill

@ethanprince356 3 года назад

What's the deal with recalling players? Have 17 yr old Hannibal Mejbri at Man Utd, on loan at West Brom, manager not playing him enough. Click recall player to add 2 negotiations but can't recall outside transfer window. Should I wait for the transfer window or is there a way to recall him now?

@dextermorgan8334 3 года назад

Just a question here anyone.. In real life, can a premier league club make 4 loan signings, then, return one of those players back to their club and then get a replacement loanee adding back to a total of 4 loan players?? Or is it the case of once 4 loan signings has been made, u can't terminate and replace???

@benwebster1702 3 года назад

Nice

@declangaming24 2 года назад

Question should you loan a player that isn't playing eg Busquets is not playing and requests a loan at 34 should I agree his request.

@scottdouglas4377 3 года назад

This is the first fm I’ve ever played so not the best on it but for some reason in game my st keeps going to the right is there anyway I can stop this

@tayyibhussain869 3 года назад

Zealand what do I do? My loan deal with the barber fell through

@archienewman3915 3 года назад

Can you do a 3 at the back tutorial? 5 is easy 3 is hard

@Coconutbob137 3 года назад

I'm currently doing a save with psg in fm2018 and I'm doing what Chelsea do in real life and loan all the talent , its a good way to make income

@maozmermelstein8145 3 года назад

The into is great

@thesidetrackedmusicpodcast2178 3 года назад

I thought 'loan cannot be terminated' means the team taking the player on loan can't send him back, but 'can be recalled' allows the team which owns the player to bring him back?

@3rdaaa 3 года назад

nice

@reece1209 3 года назад

800th like on this video

@mrfreeland123 3 года назад

What video does the loan song appear in ?

@rasmusjensen291 3 года назад

I needed this pretty bad after selling out all my strikers

@Peacock__ 3 года назад

My best centrehalf has been on loan to me for like 6 seasons and I just bought him for about 30 million. I think I ammonitesed his cost pretty well lol

@lukaluka4868 3 года назад

Do you remember that guy who loaned in regullion for 16 mil

@samrowe8752 3 года назад

If you're playing a lower German league, loan loan loan almost everyone in your squad. Especially because if the top flight squad sizes and quality of youth you can get really easy loans. Renew them in February, rarely will a team say we're going to give them a chance in the 1st team. I'm in my 4th season with dynamo dresden and I'm in the europa league. Kept stefaniak the whole time, got Balogun. 2nd season in 2nd bundesliga got John Jules, Nathan Ferguson, Amir Dedic, Ilaxia (?) Moriba and Vasquez from valencia, amongst others. Still have them all in the 4th season. It seems stupid and that I'm not growing my squad, but I've been paying 4m for bayerns best youth regents, a few ajax cheapers, and all europa money on Lazaro. I'm only spending my money on players that will take my team to the next level in the europa league. Through free transfers and making a quick profit on everyone but the young regens we've boosted past everyone in the bundesliga, and all our loanees have 1 year left on their parent club contracts if I wanted to sign a couple of them. If there's no registration rules against it, loan your balls off, buy young, sign free transfers for squad players and sell them to anyone.

@TheImproponibile Год назад

I am late but my tip if you are managing a middle/big team is: get an affiliate that plays in a challenging league. Ex. Psg has Sp.Lisboa as affiliate. Or Sp.Lisboa has Numancia as affiliate. I always try to fill their first team with my best wonderkid (the ones that need development or that cannot play in my team). When the affiliate s performance is good you have chances to get your players in Europa League or even Champions League. They get better and their values skyrocket like crazy. Works also in lower leagues What I mean is that 8/11 players of my affiliate club are mine. 1 goalkeeper 2 defenders 3 midfielders and 2 strickers. Works also with non affiliate club, u just have to target a specific team when u offers on Loan. One year I faced a team in Europa League semifinals that was filled with 7 of my players. I was so proud. Target a team, Loans for 2 years and ask for a first team role (not less). Trust this advice guys.❤

@donpedro9392 3 года назад

Could you do a video about wonderkids valued under 100k?

@jonnygriffiths7668 3 года назад

Loans are broken this fm. You can keep loaning back the same players season after season until their contract ends and you get them on a free

@jacklynch7802 3 года назад

You sign new leftbacks at united and u had to loan to but them out, exactly what happened to me with luke shaw

@user-gd7yb8ww6i 3 года назад

I still watch his vids although I regret buying this year's version aswell he makes it sound way better

@MiliakBR 3 года назад

Why regret? I think fm 2020 it´s the worst.

@user-gd7yb8ww6i 3 года назад

@@MiliakBR I preferred last years version

@SimersFM 3 года назад

You have to be in the minority than. The match engine is way better and the rest of the game is basically the same. Not sure why you would like 20 better.

@ZebuNation 3 года назад

I had no idea what a loan was until I started playing FM.

@charlieholden5136 3 года назад

I'm curious about one thing. I'm currently playing in Croatia and I have some third league clubs coming in for some of my youth on loan. The thing is, the third league doesn't exist in the FM database, the teams have no matches scheduled at all (bar friendlies). Will the game still simulate the fact that he "played" in the league matches even though they never technically existed and there were no results or should I have just have kept them at the club? I've never found anything about it on the forums.🤔

@damiandrzda5477 3 года назад

Don't loan out in this scenerio. They might develop a little or nothing at all. Their performances won't impact development (another tip - that's why you don't ever loan players to clubs that are in a league too good for them. Even if they play all games, but the team results are appaling, they might actually regress). It's better to keep them with your squad if the only option you have is to send them to "non existant" club. That's the reason why I find it crucial to load up many leagues, a big data base etc. 1) More good players will be generated and developed 2) More options for transfers and loans. So loan players to 1) players in leagues that a playable or view only 2) they will be a first team 100% 3) they are good enough to play in the league (bad performances affect development) 4) have acceptable training facilities.

@Hster007 3 года назад

a very random question, but does anyone know what exactly defines a "big game"? is it just cup finals or also cup semi finals or also top of the table clashes or bottom of the table clashes or just derbies?

@Roscododger 3 года назад

Yeah important games for the club, finals, derbies, important league matches etc.

@eXistenZ15 3 года назад

Luca Denk on a loan for the 4th year in a row now as NEC Nijmegem

@ggoof9597 3 года назад

Another great vid but if you're a masochist like myself that insists on playing bad teams in the lowest tier of any country, the loan strategy doesn't really work out. There simply aren't many options to loan out players. Some of the so called greyed out clubs are interested in my players but unless they changed it, loaning out players to these clubs actually makes them worse (last tried Fm18).

@FranzFridl 3 года назад

Yes! That's why you are the Loan receptor, hopefully for free

@PentonMitch99 3 года назад

You play your players at 25?? Mine are retired already

@jasonvik3444 2 года назад

Loans in this game so bad. When i sent my player on loan, they are give very low poor bid, like only 10% slary or nothing and that's it. How to fix this stupid thing

@jdoggydog196 3 года назад

On my save with Liverpool I now have a army of players I loan out

@paymonhashemi6892 3 года назад

(Mandatory) Loan to perms are damn near impossible when I’m the seller. I wish I could unearth that ... maybe in fm22.

@SimersFM 3 года назад

It's definitely doable. Sold a player on a high wage that no one was interested to a Chinese team on a loan to mandary fee. It's one of the best ways to sell a player with high wages without going the route of salary contribution

@guybar8128 3 года назад

Why would you want to have mandatory fees? Isn't it better to keep your options open by using optional future fees?

@Roscododger 3 года назад

Yeah but it locks the player down for you if its mandatory.

@nitaamalia279 3 года назад

Well, i still play fm07 and i watch this

@all-father4873 3 года назад

I send on loan as soon as 17. Earlier the better

@calebbyrne7598 3 года назад

I always thought "Loan cannot be terminated" meant that the club loaning the player in could not cancel the loan?

@winsingtoniii681 3 года назад

That is correct. The parent club "recalls" to end the loan, the loaning club "terminates" to end the loan.

@SimersFM 3 года назад

That's correct Z just slips up on some of these things sometimes. He's pumping these videos out 3x a week and also doesn't edit them so sometimes they don't get caught, is my guess anyways.

@hidden1049 3 года назад

What's the difference between mandatory future fee and optional future fee.

@Roscododger 3 года назад

One is a mandatory transfer and one is an optional transfer. So you have are required to buy the player if its mandatory, and you have a choice if its optional.

@hidden1049 3 года назад

@@Roscododger Okay... Thanks. I was faced with a loan deal with the mandatory future fee clause today while playing. Am so glad I didn't go ahead with it... Thanks

@Gr33nJiN 3 года назад

3:31 mic bumb soo sneaky

@adamfuller99 3 года назад

Video on if important match and consistency rating can go up over time? Is a youth academy product ruined forever because he’s inconsistent or/and hates a big match.

@Roscododger 3 года назад

No it can be changed through mentoring and other influences.

@adamfuller99 3 года назад

@@Roscododger mentoring can improve it? Is this confirmed and is that the only way?

@sasukedfg 3 года назад

Mentoring and if your squad (in general) has good mental atributes, he can absorve it aswell. He can also develop by just playing and you talking to him but i wouldnt spend my time on it, even if he is bad at big games Just make sure he is motivated and hell do fine

@adamfuller99 3 года назад

@@sasukedfg just sold my CB captain and starting RB to Beijing because they both disliked a big game...

@sasukedfg 3 года назад

@@adamfuller99 bro my ballon dor winner striker does not like big games but scores in every single one of them

@aryandongaonkar2839 3 года назад

I didn't no how but got phill foden and Oscar mi nguzsa on loan in vn south they teared it scoring 24 goals and 20 assistsand oscar getting 17 assists😂 also got run in fa cup won promotion with 106 points

@gracenketsiah965 3 года назад

In FM21? Is that even possible?😀

@aryandongaonkar2839 3 года назад

@@gracenketsiah965 don't know how but i just requested for fun and city and bacrca Acepeted😂 ac

@gracenketsiah965 3 года назад

@@aryandongaonkar2839 Lmao good for you

@aryandongaonkar2839 3 года назад

@@gracenketsiah965 yep

@nightmaredababy136 3 года назад

Zealand be Posting FM21 for PC but not for Mobile Plz do a FM for dummies Movile edition

@Roscododger 3 года назад

Zealand doesn't play mobile so idk if he would be the best to make a video on it.

@aryankmanjunatha6404 2 года назад

How to bring back players from loan 😭😭😭ffs

@dominik-- 3 года назад

3:32 look at microphone wtf

@tayyibhussain869 3 года назад

???? Is my mind

@Roscododger 3 года назад

No idea what Reece saw there

@fiorafps 3 года назад

me and my 22 loaned players who i get for free contract and i can sell them after for a couple millions liked the video xD

@vaaggasje 3 года назад

18 years old people. Stay alert, stay alive!

@jaden4896 3 года назад

We came for his tips, we stayed for his personality

@no-dg2vl Год назад

Can you still exploit arrrange friendlies and then they have to yes for a free friendly league with barca man c and juventus xD bagging you millions

@jordank1489 3 года назад

You got termination confused with recall. Termination means THEY can end the loan, recall means YOU can end the loan. No termination, but can be recalled. That's the pro-gamer move. Sorry, I'm an absolute transfer/loan specialist. My tactics are awful though, I'm basically Ed Woodward

@ZealandonYT 3 года назад

I corrected that during the filming, I'll be firing all 25 of my editors

@AtraErus11 3 года назад

My problem is that no one wants to loan the players I want them to loan

@JackoVX 3 года назад

Try to set wage to 0%, playing time regular starter (dont lock anything) and offer them. If any club doesnt bite welp it sucks, set the player to allow to b or youth team. Just FM things.

@AtraErus11 3 года назад

@@JackoVX cheers, I'll give that a go and see if that helps

@rooneye 3 года назад

I feel like your videos are too much your head and not enough FM screens lol

@ZealandonYT 3 года назад

Sometimes B roll is hard on FM

@PoloDavey 2 года назад

starts a t 2:30

@SGProductions87 2 месяца назад

When you're talking about a player who you've just sent/received on loan: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-w6Q3mHyzn78.html Change the lyrics slightly: "I think he's on loan now"

@shaggyzd 3 года назад

Pule Mady and Mogne disliked this video twice

@awaynekerr 2 года назад

f̷̩̜͚̤͇͔̿̋̓̐͜͝͝e̷̞͍̲̜̔̃́͝e̷̠̭͎̽̂̾̕d̷̛͈͊͌̌̊̔̏̊͂̔̚̚â̵̬̰͍̾̉ĺ̸̞͌̐͐̉̑̐̓͒̎̊̈͘͝g̸͌͋õ̴̡̯̥͔͓̙̪͓̫͓̞̞̣̜͓̅̀̑̉̒̋̇̄̐̋͝r̸̔̆̍į̶̨͓̗͚͚̳͉͕͚̝̪̳͍̲͌̈̊͗͛̎͌̌͒̏̒͋͘͝t̶̨̘͕̂̽̀̉͐̈́̎͌̌̿́̆̿h̴̡̥̺̤̳̘̳̜͈̝̤̱̾̐̽m̷͉͊̾̊̽̅́͋͋̍̂̋́̚̕͘

@darrelldadams 3 года назад

Don't do it, Hoss. Every time you get a haircut you look like your name should be Melvin.

@louisverrier1035 3 года назад

Go to bed man Jesus

@jasey5502 3 года назад

Is your hairline finally past the point of no return?

@jpeters1734 3 года назад

Disappointing video to be honest. Everyone knows players are better off playing first team games. What everyone struggles with is knowing when it’s more beneficial to reject a loan offer and keep a player on the reserve team.

@ZealandonYT 3 года назад

Made this one a while ago so I honestly can't remember what I said, but pay attention to the player's personality, adaptability, and improvement throughout the year. If they aren't improving, then it's worth looking into a loan, but if their adaptability is bad, it could be a worse tradeoff then just spending a cup match or two playing them in your team. If they have a good personality for development like high professionalism, then a loan is less necessary, unless you see them really not kicking on in the reserves