- Joined
- Dec 21, 2014
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- Location
- California
- Resorts Owned
- HGVC, MVC Vistana
Yes, you are right. You cannot borrow into off years, but you can bank.
Still, buying Maui EOY may not be a good idea because:
1. You would lose you deeded view in off years
2. You will only get a studio in off years
3. You will only be able to book at 8 months in off years
4. You pay ~$150 VSN fee every year
5. You have to pay banking fee and keep track of deadlines
Much more cost effective to buy an annual 81,000 trader.
Probably true for IV and off season - I haven't run the numbers on this scenario. We own OF and want the guaranteed view in at least one of the years. This is not a primary use of our EOY (we have never done this) but it is nice to have as an option because the future is hard to predict. More likely we would rent out or use the second locked off week in the home year.