 In the early 1980s, with interest rates on new loans at 18%, banks frequently attempted to enforce due-on-sale clauses with respect to older loans that had been made at lower interest rates (especially those made prior to the 1973–75 recession and the ensuing stagflation), so they could retire those loans from their books, force buyers to obtain new loans to fund their transactions, and lend funds to them at higher interest rates.In the lending market of the 2010s, many observers believe that banks are not likely to enforce due-on-sale provisions unless they have another reason to call the loan due.Virtually all mortgage loans made in the United States by institutional lenders in recent years contain a due-on-sale clause.