That makes no difference though, would just fall into the next monitoring period. And bearing in mind the threshold is decreasing from 45m to 30m in a couple of years it makes little sense to delay it. Also bear in mind transfers this summer won't be included in the 'current' monitoring period.
Madrid need the money now to avoid falling foul of FFP, hence selling Di Maria, so it makes little sense waiting until next year. I doubt Madrid would be willing to pay for his wages, so the wage bill restriction would still be broken even with a loan.