But would Atsu then be a lot more expensive if he played really well for us? I would think he would, I could see Chelsea demanding 18m if he became a focal point of the team and chipped in with goals an assists, whereas now he's still an unknown quantity and could be bought outright for less.
So it's a choice of not knowing a player and randomly splashing cash, or taking the player on board, assessing him, and paying a premium on top if he's fantastic.
I'd rather know we're signing someone who is ace permanently than throw down £10m+ on the new David Bentley.