Signing players on Loan

Besides buying players on permanent contracts. Wouldn't it be a good idea if we could have a feature that allows clubs to sign players on loan for a season or more from other clubs?

Have a read through here: https://www.virtualmanager.com/forums/topics/1121384-loans-do-not-work-in-vm

They wouldnt work, unless you can find a concept that does

Whittall United wrote:

Have a read through here: https://www.virtualmanager.com/forums/topics/1121384-loans-do-not-work-in-vm

They wouldnt work, unless you can find a concept that does

I've gone over the posts and lots of why it wouldn't work was changed since youth team were released and is mainly related to:
- how training works(worked) > This has changed. With small tweaks it could be encouraging the loans.
- needing a youth team > Done
- mood system made it easy to keep players training at 100% with just one minute of play time > this change and needs just a small tweak to make loans interesting
- size of the squad > still an issue but less than before since the youth squad. Also this can be changed again, only allowing the registration of 20/22 players per team for the season, but allowing more players in the squad. I really think the whole limit of players is unrealistic and it's a joke, in football manager I used to have some 70/80 players and half of them on loan.

So why wouldn't it work now?
There are a lot of teams with WCTF and PTF, so training on PTF with 100% energy and 7/7 mood would be the same as training on WCTF but 0/7 mood and 100% energy.
The same principle applies for PTF teams loaning to ETF teams or ETF loaning to LTF teams, etc...

So how would it work? Maybe make 20-25% training loss for mood. This in itself will probably make a lot of managers mad. But by adding a loan system that would make them cash and all it takes is a daily check on the players on loan or some kind of assistant manager that could allow some conditional orders just like in the match editor.
So the system:
- Same as transfer listing, you just need some extra conditions. Minimum facilities level, minimum trainer level, minimum energy/mood levels when training, optionally the automated training could be imposed. Manager accepting the loan would have the option enabled, only allowed for people with remaining tickets for the duration of the loan.
- Club that owns the player can recall at any time, potentially just giving a heads up so the club that loans a player can find a replacement on loan or on TL if he got extra cash in the meantime.
- Club loaning will receive credits from each match played by the player proportional to the time he spent on the pitch (for full match he gets 9,09% of the income).
- Loaning club would pay some of the player's wage, this can be automatic or criteria for loan.
- There will be a limit of how many players a club can loan, depending on level, the lower the level the higher the number. Maybe start at 2 in first division and 3 in Div 2, 4 in Div 3 etc.
- Some form of rules to automatically recall players that train suboptimal.
- Some form of banning clubs that you recall players from loan due to terms not being respected
- Players could also get some experience points, freeing the skill 'Perseverence' to become something more useful, like defensive positioning
- Leadership could also be changed from a skill to a personality treat, freeing yet another skill to something more useful like offensive positioning

So what's in it for teams loaning players: having access to a few higher level players that could be useful to get a higher finishing and either promote or avoid relegation. Some extra credits could be awarded to the team that owns the player on loan.
What's in it for teams owning players and loaning them: allow players mostly in 24-28yo range to train without additional cost (wage) and stress (training matches are not enough to increase the player's mood), while also giving a small extra income. Also by not being forced to play them in division/cup matches their senior team would perform better.

There could be a reverse loan, where players with low level facilities would send out players to WCTF/PTF clubs to train on better facilities, while paying them a small amount that is automatically calculated so there is no incentives to cheat.
Club that owns the youth would not be taken advantage of the clubs with higher facilities by selling most of the times lower than player's value.
Club that trains the youth will get a portion of the added value through training on better squad. There should be a limit of how many players you can take on loan and train, but this can also be influenced by the mood system.

Also for the system launch the increase in mood loss could be incremented by 1% on a weekly basis up to the target value, allowing some time for managers to adapt.

If there is anything I haven't covered, or want to debate some points, let me know.