Borrowing Points

[Jodi0415]

Hello Everyone!
Question:
If one borrows points from 2016 in 2015 do the MF for 2015 become due in 2015?

Thank you for your time!

 

[Talent312]

No.
At 'true' HGVC TS's, borrowing (or banking) points has nothing to do with MF's.
You can do either, and your MF payment schedule stays eggs-actly the same.

Some affiliates (not HGVC-developed) may require you to prepay to get access to next year's points.
.

.

 

[Jodi0415]

Thank you!

No.
At 'true' HGVC TS's, borrowing (or banking) points has nothing to do with MF's.
You can do either, and your MF payment schedule stays eggs-actly the same.

Some affiliates (not HGVC-developed) may require you to prepay to get access to next year's points.
.

.

 

[weems637]

There is no downside to borrowing points from the next use year. I do it all the time to maximize my point allocation to not have any expire.

 

[Helios]

There is no downside to borrowing points from the next use year. I do it all the time to maximize my point allocation to not have any expire.

Has anybody tried to make a reservation combining banked points, current year points, and borrowed points? What would be the fee to make such reservation?

 

[Talent312]

Has anybody tried to make a reservation combining banked points, current year points, and borrowed points? What would be the fee to make such reservation?

1. You must first bank (rescue/deposit) your points & pay the fee for that ($76 online); then...
2. You make a standard reservation, the fee for which is ($52 online).
The points are drawn in the following order: banked points, current-year points, and any more points needed are borrowed automatically, without any fee.

The reason borrowing is free: To the extent that borrowing exceeds banking, it frees up space that HGVC can use for it's own benefit, i.e. hotel bookings or RCI exchanges.
.

 

[Jodi0415]

Thank you all for the replies!