How We Work
Molzine follows a clear editorial process for every edition. Transparency about how we work is part of what makes the analysis trustworthy.
Editorial independence, always
Molzine operates independently. We do not accept advertising, sponsorships, or any form of commercial arrangement that could influence our editorial decisions. The newsletter is funded by reader subscriptions alone.
This independence is not just a statement—it is a structural choice. When we explain what mortgage credit data shows, we have no financial interest in what that data says. Our only obligation is to the reader's understanding.
We also do not make recommendations. Explaining that building permits in a particular commune have declined is a factual observation. What any individual should do with that information is entirely outside the scope of what we do.
The editorial process
Indicator selection
We select the indicator for each edition based on what public data has recently been updated, what readers have asked about, and what provides the most useful context given current conditions. We avoid repeating the same indicator too frequently.
Data collection from official sources
We download the relevant datasets directly from official public sources: INE, CMF, Minvu, or the Banco Central. We document exactly which dataset version we used and when it was published.
Analysis and fact-checking
We review the data, identify what has changed since the previous publication, and verify our reading against the source documentation. We do not interpret beyond what the data directly supports.
Writing for non-specialists
We write a first draft, then revise it specifically to remove jargon, shorten sentences, and ensure that someone without a financial background can follow the logic from start to finish.
Review and publication
Each edition is reviewed for accuracy, clarity, and compliance with our editorial policy of not making recommendations. Only then is it published and sent to subscribers.
Indicator selection criteria
Publicly available
Every indicator we cover must be accessible to any reader who wants to verify our analysis. If you cannot access the original data yourself, we should not be the only ones who can read it.
From an official source
We only use data produced by official government or regulatory bodies. Private estimates, industry association data, and portal aggregations are used only as supplementary context, clearly identified as such.
Explainable without recommendations
Some data is difficult to explain without implying a course of action. We choose indicators that can be described and contextualized without requiring us to say what readers should do.
Relevant to Chilean housing
We focus on indicators that directly relate to the Chilean residential real estate market: how housing is built, priced, financed, and rented. We do not cover commercial real estate or investment vehicles.
What Molzine does not do
Understanding our limits is as important as understanding what we do. These are deliberate choices, not gaps.
No investment advice
We do not tell you whether to buy, sell, rent, or invest in any property or real estate product. That is the domain of licensed financial advisors, not a data newsletter.
No price predictions
We describe what data shows about past and current conditions. We do not forecast where prices, rates, or rents will go. Forecasting involves uncertainty that we do not pretend to resolve.
No project promotion
We do not mention, recommend, or promote specific real estate projects, developers, banks, or financial products. Our analysis is about market-level data, not individual opportunities.
Have a question about our process or a topic suggestion?
We read every message we receive. If you have a question about how we work, a suggestion for a future edition topic, or a clarification request, we want to hear from you.
Get in touch
We are based in Santiago and respond to all inquiries. Use the contact form or reach us directly by email.
Contact us