Newly purchased direct points are always given the late banking exception.
It allows them to sell new contracts all year, and it is written in to the Home Resort Rules and Regulations,
They will also put back borrowed points if someone buys a direct contract for the same membership that includes current UY points that can be used for. Reservation already made,
Definitely perks they offer to buy direct! Of course, sales are currently closed, but when they open up, it is something you can get more information about