This question also includes confusion about buy-on/sell-on clauses.
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No one mentioned buy/sell on clause yet, so I’ll talk about that. Club A sells a player to Club B with a 10% sell-on clause. If Club B then sells that player to Club C, Club A gets 10% of the transfer fee. This is useful players that will typically increase in value or be highly sought after.
With a buy clause, Club A loans a player to Club B on a loan-to-buy option with an agreed tranfer fee. If Club B likes the player, they’ll trigger the buy clause and pay the transfer fee. Clubs will use a buy clause to get a cheaper transfer fee, as with a loan, the salaries of the player are either paid entirely or partially by team B, so they stand to save a bit of cash. If team B doesn’t like the player, the player simply returns to their parent club.
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