He doesnt have magical ways, pretty much all deals are done in installments, main difference is how much of it you pay upfront, but generally the full figure is accounted for, and generally loans are taken out for them if they are bigger sums you cant afford right away.
And we know what co-owning has gotten us with Isla, diddly squat difference from buying him full on, just made it more messy to move him along come transfer windows.