Seller usually dictate the transfer fees. So the take it or leave it point is quite irrelevant. A fee that you mentioned which agreed in advance only apply if the host club in this case Barcelona is looking to sell the player. They are not looking to sell so again not going to work. So this is no different to any loan deal.Your view of what loan with an option to buy is different from mine. And you may be right, but I wouldn't expect it to be loan where after the loan we get to name our price and you take it or leave it. I would think it would be agreed upon in advance or set with the market or something like that. Otherwise, what would make that any different than any other loan?