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Does location and season matter

astro57

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I am looking into buying HGVC points. Does it really matter what location or week you purchase. It seems that points are points and can be used at any HGVC (subject to availability). So should I simply look for the lowest price per point. I don't plan on staying at any one place at any fixed time. The HGVC seems to be a great choice for me.

Thanks
 

Talent312

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It is true that one point is the same as the next...
However, over the long haul, those annual MF's really do add up, and you should take them into account when deterimining your true cost of ownership.

MF's vary among the various HGVC properties, with Vegas and Orlando being significantly lower than Hawaii. Also, MF's are assessed by size of unit (not the week or season), so with the same size unit in the same resort, the higher the season the more points you'll pull for the same MF's.

What I'd do... Multiply the MF's (leaving out temporary special assessments) by an assumed term of ownership, like 10, 15 or 20 years, add that to the purchase price, and then divide by the number of points, to get a cost-per-point. IMO, cost-per-point is a better comparison than price per point.
 
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Bill4728

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It is true that one point is the same as the next...
However, over the long haul, those MF's annual really do add up, and you should take them into account when deterimining your true cost of ownership.

MF's vary among the various HGVC properties, with Vegas and Orlando being significantly lower than Hawaii. Also, MF's are assessed by size of unit (not the week or season), so with the same size unit in the same resort, the higher the season the more points you'll pull for the same MF's.

What I'd do... Multiply the MF's (leaving out temporary special assessments) by an assumed term of ownership, like 10, 15 or 20 years, add that to the purchase price, and then divide by the number of points, to get a cost-per-point. IMO, cost-per-point is a better comparison than price per point.
As always, very good advice!!
 
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