Yeah I'm probably not being clear.
Top striker - €30m, split over 3 years (2012, 2013, 2014)
Asamoah/Isla - €18m combined for halves, split over 3 years (2012, 2013, 2014)
Asamoah/Isla - remaining €18m, bought in either 2013 or 2014, split over 3 years (2013, 2014, 2015 or 2014, 2015, 2016)
So you see, if we buy out the second halves this summer it would be spent over 4 years, if we do it next summer then it would be spent over 5 years. So for co-owned players the money is spread over a longer period than spending it all on one outright transfer.
It's one reason why clubs do co-ownerships and loan-to-buys, it spreads deals out longer than the allowed 3 installments.
Top striker - €30m, split over 3 years (2012, 2013, 2014)
Asamoah/Isla - €18m combined for halves, split over 3 years (2012, 2013, 2014)
Asamoah/Isla - remaining €18m, bought in either 2013 or 2014, split over 3 years (2013, 2014, 2015 or 2014, 2015, 2016)
So you see, if we buy out the second halves this summer it would be spent over 4 years, if we do it next summer then it would be spent over 5 years. So for co-owned players the money is spread over a longer period than spending it all on one outright transfer.
It's one reason why clubs do co-ownerships and loan-to-buys, it spreads deals out longer than the allowed 3 installments.

Although this could all be invalid if the top striker €30m is split over 4 or so years, but I don't think real life is FM
