Most low-level economics classes will teach you about the time value of money. In our current economics model, it is explicitly assumed that $10 today is worth more than $10 in the future due to inflation (and opportunity costs etc).
What you're describing is approaching socialist lending/grants which isn't infeasible if the nation's economy is healthy, but otherwise you run the risk hyperinflation.
edit: okay weird...
the hotfix 7 is 0.2.5.9.4
but the hotfix 8 is 0.2.5.6.1
and the hotfix 9 is 0.2.5.6.7
Banking, and the issuance of currency,
should be done WITHOUT COST,
by the government of your own people.
The only way bankers make a profit, is by charging a fee,
to use money that should belong to you. A USURY.
But USURY, is NOT a product.
There is nothing EARNED through it.
Its adds nothing, but THEFT.
What you're describing is approaching socialist lending/grants which isn't infeasible if the nation's economy is healthy, but otherwise you run the risk hyperinflation.