Understanding HGVCMFS.COM Data

[RydForLyf]

I've really enjoyed all of the great information available on TUG and am learning so much!

When I look at the ratio data on HGVCMFS, I see some REALLY cheap ratios, under $.06/pt. These seem unbelievable but then I assumed they were for EOY contracts. Is this true, or are there resorts in SC that really do have MFs that low? If these super low ratios are for EOY contracts, is there a way to know which data points are EOY and which are EY?

Thanks,
Chuck

 

[HuskerATL]

Most are probably annual but large point deeds 20k+.... Great MF/pt but high purchase price

 

[Reddart]

Those low $/MF deeds are usually expensive high end units, which are rare to come by on resale and will be $$$ when they do because of the great value in $/MF.

 

[ljmiii]

If these super low ratios are for EOY contracts, is there a way to know which data points are EOY and which are EY?

The MF/point ratios for EOY contracts are the same as for EY ones (ignoring that you have to pay HGVC dues every year...but dues aren't MFs). Some resorts charge the full amount EOY and others charge half every year.

 

[RydForLyf]

Ocean Enclave

Myrtle Beach, SC

1BR Premier

1. Platinum

$917.09​

13,440​

0.06824​

The MF/point ratios for EOY contracts are the same as for EY ones (ignoring that you have to pay HGVC dues every year...but dues aren't MFs). Some resorts charge the full amount EOY and others charge half every year.

That's great to know. Thanks. So as long as you have EOYE and EOYO, it comes out in the wash. Perfect.

 

[HuskerATL]

Ocean Enclave

Myrtle Beach, SC

1BR Premier

1. Platinum

$917.09​

13,440​

0.06824​

That's great to know. Thanks. So as long as you have EOYE and EOYO, it comes out in the wash. Perfect.

Those would just be double the closing costs compared to annual