Editor,This is in reaction to the article, "New housing law in offing”, (The New Times, February 10).As a person with interest in real estate, I can’t agree more with Charles Haba, the president of Rwanda Real Estate Association. Most people don’t go out intending to build expensive houses. Rather a multiplicity of factors, as noted, ensures that a simple moderate house ends up costing a lot. One other issue is to do with the size of the middle income group - the group with disposable income and more time constraints (which would make them want to buy houses) is relatively small. That is why a mortgage of Rwf25million francs with a monthly repayment of Rwf3,800,000 over a period of 20 years remains daunting for many prospective home owners.Kefa Angwenyi, Kigali Institute of Science and Technology (KIST), Kigali