Points in 2021

[Jaguar Skills]

If we are looking at a June UY and planning to go to Disney 2022, what is the deal with points in 2021. Can we borrow for our 2022 trip?

Struggling to understand the maths behind it.

 

[erionm]

From the member website:

In light of this and to help with Resort availability in the coming year, beginning today, Members who want to borrow Points to complete a reservation will temporarily only be able to borrow up to 50 percent of their future Use Year Points per contract, as permitted by your Home Resort Rules and Regulations. Doing this will help manage inventory and accommodate more Members who want to schedule their vacations once the Resorts reopen. Points already borrowed for a stay outside the closure period will be honored, even if they are above the 50 percent threshold. We will continue to monitor our inventory and re-evaluate, with the goal of returning to our standard policy as soon as it is appropriate to do so.

https://disneyvacationclub.disney.go.com/message-from-dvc/

 

[CarolMN]

The borrowing restriction is temporary. We don't know me how long it will be in effect. Normally, you may borrow up to 100% of your allotment from your current use year + 1.

This thread will help you to better understand use year

Understanding Use Year

 

[_auroraborealis_]

Generally speaking, 2021 points would potentially be current or banked for 2022, not borrowed. For a 2022 trip you would be borrowing 2022 or 2023 points if borrowing were in play, and that would depend on travel dates and UY.

 

[Jaguar Skills]

Generally speaking, 2021 points would potentially be current or banked for 2022, not borrowed. For a 2022 trip you would be borrowing 2022 or 2023 points if borrowing were in play, and that would depend on travel dates and UY.

Ok I think I get it. So assuming we buy 0-2019, 0-2020, 200-2021 (June UY) we can bank the points as soon as we have them.

Then when we come to travel in August 2022 which will be the next time we can go potentially as our son will start school we will have the banked 200 + June 2022 UY points 200 = 400.

Sorry if I sound ridiculous. Its hard to understand the logic.

 

[CarolMN]

To clarfy, you won't be able to bank 2021 points until the first day of your 2021 use year

 

[BillPA]

FYI, your 2021 UY covers June 1, 2021 thru May 31 2022. If you will not be using these points. be sure to BANK them by Jan 31, 2022. They will then have 1 year to use those 200 points. June 1, 2022 - May 31, 2023. You will also have the 2022 points for that same time period. If needed you could also BORROW from your 2023 UY. Just remember BANKING and BORROWING can not be reversed.