This is tedious but, out of respect for a fellow blue, I’ll try to spell it out again.
If, as you describe, a player goes to another club with an initial fee for the first year and a binding commitment between the clubs for a completion fee to be paid thereafter - then that is in effect sale with staged payment, not a loan.
Lots of player sales involved staged payments, they delay a part of a payment and they ultimately cost a little bit more because financing the initial difference has a cost.
I think that you’re confused by situations where we’ve loaned players out and agreed that the loaning club can purchase the loaned player for a set fee at the end of the loan period - but only if they choose to do so.
That’s a loan not sale as there’s no absolute commitment beyond the loan.
If you can’t grasp the above then let’s agree to differ because if you can’t understand the difference between a loan and a sale then there’s no point in conversation.