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Old 01-05-2013, 04:41 PM   #1
Illini Al
Join Date: Feb 2010
Location: Illinois
Posts: 97

Question on alignment of MF and Use Year

Long time lurker, still not an owner.

If I were to buy (resale) a Dec UY contract which has all of the '13 points available, I realize that I'd have to pay the full '13 MF at closing. I'm assuming that in Jan in '14, I'd have to start paying MF (either monthly or in a lump sum).
Are the MF I would pay in Jan of '14 considered fees against my '14 points which I wouldn't get until Dec of '14? Unless I'm missing something, I'd be paying MF on points I do not get until 11 months later?? (assuming I do not borrow those points into the 13 UY)
Please school me on the timing/alignment of MF and UY points. Thanks!
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