Don't Give, Take

The Gemorah says that even if goyim do acts of charity it is considered for them a sin, for they do it for their own sake (Babba Basra 10a.)  Why is it considered a sin just because they didn’t have noble intentions, they still supported the needy?  Rashi (22:24) says that when one grants a loan s/he must view themselves as if they are a poor person.  Why must there be an outlook of completely negating any credit for granting someone else a loan?    

Rav Chaim Schmulevetz explains that any feeling of superiority that the lender may feel because of his means demonstrates a lack of doing a complete act of kindness.  Any form of taking detracts from the completeness of the action.  He goes on to explain that even beyond the category of acts of kindness, in the broader picture of avodas Hashem, every action should be done completely for altruistic motives.   

However, we can explain why there is an additional emphasis on this idea when it comes to acts of kindness.  The point of granting the loan is not just to help the poor; it is to perfect the giver.  The person should be cultivated with feeling, compassion and consideration for his needy friend.  The Ramchal in Derech Hashem describes how the job of a person is to try to strive to act like Hashem.  Just as Hashem acts with so much mercy and kindness toward us, so too we should act toward our peers.  Rav Bakshi Doron (Teshuvos Binyan Av #76) adds that giving a loan or charity without looking for gain cultivates emunah.  It is an individual that have complete trust in Hashem that isn’t concerned about what will happen with his/her money.  
Giving isn't giving; its receiving emunah and middos.