Banking and the 50% rule?

[Rocketeer53]

Hi, I’m sure this may have been asked at some point, but could not find it. We are hoping to be able to go early next year. We will banking all of this years points to use next year but I also want to borrow some from the next year. I know about the 50% rule. My question is will having the banked points from my 2020 uy plus all my 2021 uy affect how many points I can borrow from my 2022 uy? Would it be 200 + 200 + 100? Or does having the banked points cancel out the borrowed points?

 

[Marionnette]

Hi, I’m sure this may have been asked at some point, but could not find it. We are hoping to be able to go early next year. We will banking all of this years points to use next year but I also want to borrow some from the next year. I know about the 50% rule. My question is will having the banked points from my 2020 uy plus all my 2021 uy affect how many points I can borrow from my 2022 uy? Would it be 200 + 200 + 100? Or does having the banked points cancel out the borrowed points?

Banked points have no effect on how many points you can borrow. It is 50% of each contracts points regardless of whether you have zero banked points or 100% of your previous UY banked.

 

[Rocketeer53]

Thank you!

 

[The Jackal]

Just remember it is 50% per contract. So if you have 3 100 point contracts, you cannot borrow more than 50 points per contract. Some people are also reporting, in order to use borrowed points you have to call MS.

 

[Sandisw]

Just remember it is 50% per contract. So if you have 3 100 point contracts, you cannot borrow more than 50 points per contract. Some people are also reporting, in order to use borrowed points you have to call MS.

This is an important thing for people who own more than one resort too. For example, even though I have 175 at RIV and 300 at SSR, I am limited to borrowing only 88 points from RIV, even though that isn’t 50% of the membership.