Which type of clause ensures that a property cannot be sold without the lender's consent?

The due on sale or alienation clause is specifically designed to protect the lender's interests in the property by stipulating that if the property is sold or transferred to another party, the entire outstanding loan balance becomes due immediately. This clause essentially prevents the borrower from selling the property without the lender's consent, ensuring that the lender retains control over who assumes the mortgage obligation.

In instances where a property with a mortgage that includes this clause is sold, the lender can refuse to allow the transfer of the mortgage to the new owner unless they agree to pay off the loan in full or meet specific conditions set by the lender. This clause is significant to lenders as it mitigates the risk of having an unqualified borrower take over the loan without their approval.

The other clauses mentioned serve different purposes: the due diligence clause pertains to the investigation and evaluation of property conditions and legalities prior to purchase, the subordination clause relates to the order of claims on the property in the event of foreclosure, and the affirmative covenant involves obligations that a borrower must comply with, but none of these directly address the necessity for a lender's consent in property sales.