Loaned players are usually one of 3 things:
1-A player with a risk and you try to get him for trial, like Gomes
2-A talent you can't afford, so get 1 year for free (Asensio with Espanyol)
3-A cheap addition to the team
The 3rd one can be the worst, as teams has no incentive to develop the player over their own player. For me Cucu tp betis will be more like 3rd situation rather than the 2nd.
Munir on the other hand has one year left in contract, need to renew if he goes on loan. Although I would prefer if we outright sell him