Ahaaa haaa haaa
That is according to your belief. But the facts remain. The banks can not advance you a loan for a project on condition that, no interest will be accrued during the grace period. But normally what the BANKS are going is to spread that interest accrued during the construction period to the tenor of the loan.
Bro ile siyo hela ya mjomba, it's a business money. No one can give you money for 12 or 18 or 24 or 36 months without any cost of that capital. It's about a decade since I started to work in a number of transaction advisory teams, later a team leader or a transaction adviser. All amortization schedules that I came across with contain an element of interest to be paid during the construction period, let say 18 months and again the interest to be paid during the operations until the end of tenor. Since most of these projects are financed through the project finance fashion. All payments are starting during the operations. Also the deferred or delayed payments are commenced to be paid during the operations stage.