Team Debts...how they are calculated?

[Ivan787]

Hi to all,

I would like to better understand how the debts of football clubs are defined in the editor, and how this then affects the game.

In Italy, the debt situation of the teams is a factor that greatly influences management, and I would like to understand how this is reported in FM23. I give an example.

Team; F.C. Internazionale Milan. In the debt page of the official editor I see: Total Debt 325M£, Expiry 2035, Interest rate 0.00%.

If I take an official financial statements of Inter I see: Total Debt 365M£, Expiry 2026, Interest rate 6.75%. There is lot of difference. And I see this difference for all major teams which have interest rate setted to 0% and very long expiry date of debt.

So my questions are:

1. These differencies are mandatory due to a particular mechanism of the game and, if fixed, will make the game unplayable (in other terms is this a "translation" in FM terms of the real life debt-impact on teams)

2.  Are these wrong data? In this case what happens in gameplay if I fix the data?

Thanks