Loan with obligation to buy? Only on Bayern’s terms | OneFootball

The transfer phase is entering its final stretch – and there is still movement in the squad at FC Bayern. A central line for possible new signings is now clear.

As kicker reports, FC Bayern is considering a loan with or without a purchase option – however, a purchase obligation would only be considered under clearly defined conditions that are fully in the interest of the club. The decision-makers only want to agree to such a model if the design of the deal leaves full control over the sporting and economic risk with the club.

After the sale of Kingsley Coman, the sporting management had actually expected a permanent commitment. However, the direction was internally specified to only look for loan players. Sports director Max Eberl confirmed: "The club has decided that we want to save money. We sold Kingsley Coman and couldn't sign Nick Woltemade. That's why I got the task to bring in a player on loan."

The fact that Bayern is relying on a flexible model becomes particularly clear in the distinction between a purchase option and a purchase obligation. While one variant leaves room for maneuver, the other would only be considered if it is completely tailored to the conditions of FC Bayern.

Eberl is looking for "a good and creative solution"

A prominent name that keeps coming up in this context is Christopher Nkunku. According to Sky, the offensive player has already agreed with Bayern. While Munich prefers a loan model with an option, Chelsea, on the other hand, demands a fixed transfer of over 40 million euros plus bonuses – too much for the current budget framework. An initial offer has already been rejected, but the talks are ongoing. Eberl emphasized: "We're trying to find a good and creative solution."

The different interests within the club continue to cause tension. While Eberl and Freund are demanding additional quality for the offensive width, Uli Hoeneß and Karl-Heinz Rummenigge are relying on a restrained strategy. For them, it's clear: rather a suitable loan player than a hasty million-euro investment.

The focus is now on short-term solutions with limited risk – everything beyond that will be re-evaluated from summer 2026 onwards. Until then, clear rules apply. And above all, one thing: Bayern decides itself under what conditions a player comes and possibly stays.

This article was translated into English by Artificial Intelligence. You can read the original version in 🇩🇪 here.