Don't call me 'slow-answer-giver', as this is obvious
To the topic. Here in Russia the following scheme is usual (though keep in mind there are actually 3 divisions here - premiership, first and low-rated second).
Some big-team (ok, big in our scale) purchases some player for lots of money. Usually foreigner at this time. He starts to play in starting 11. Does ok. Native guy played in that position before him gets out of strarting 11, and only hopes to be a regular subber. He still gets his wages though.
Then, some club from a lower division sees the stuff and asks to loan him. That player could well have wages compared to the total wages of 1st division team. So the sides agree on that there won't be any wage coverage. Instead, there's a loan price agreed, and everything goes fine for both of them (and CM also allows this sort of things).
To think deeper, those a quite different things. Re-arranging wages is a sort of 'lower expedintures' optimization, and getting loan pay is a sort of 'increase incomes' optimization. And this stuff is also implemented in CM. First thing will reduce your expedintures, while second will add to incomes and transfer funds.
Though 'no-wage-and-loan-pay' is a bit extreme for me. Except when the guy badly needs some real-game experience, but lower divisions offer no greater challenge than casual reserves competitions. Maybe only useful to make a guy more mentally developed. Say, in his team he's no more than one of 20-30, and being loaned out to a lower side he'll have to perform as a possible leader, which could well have some positive effect on him.
Me never gets loan-ins and use income increasing policies on loan-outs.
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