yes but see this is so much more realistic, because for example, look at Wigan, they loaned ZAKI to get somewhere , so now in PES you can do the same which is Great!
the transfers are the same. for example on my ML Van Persie went chelsea ye, but Arsenal went and bought Henry again! lol
like in real life, no one expected Silvestre to come arsenal but he did andd hes great!
so i think its great.
personal experience: i loaned only for 6 weeks, Borriello, for 190 Points lol. and funnny enough he was most of the time Good/Perfect condition
also my first time for Loans but i guess i will only use this to either gain experience of a player to see if its worth buying him