Question about UY points and first stay.

You would rent or transfer your 2020 points. If you are transferring them you will need to do it by may 30th so the receiving person can bank by may 31st. You will book your January 2022 trip with your october 2021 points. So the way it works is when your use year starts is when those points are available to you. You will use your 2020 points to book oct 2020 to september 30th 2021, ect...You need to bank by 8 month window, which in your case is May 31st.
 
Based on what you’ve said, I believe you missed your FW in October 2020 and they will try to schedule you a welcome home stay to utilize your 2020 points. You still have your FW with your October 2021 points. With limited availability, DVC can pull a cash room to complete your stay.

If you were to book your January 2022 trip now, it will use your 2021 points. If you bank your 2020 points and then make the January reservation, I believe the system will first use your banked points. As far as I know, banked points have the same value as non-banked points, other than they expire on Oct 1, 2022.

You can book a reservation 11 months out and it doesn’t matter if it’s in a different use year as long as you have points for that year.
 

I just want to say thank you in advance for the help, these forums and associated channels have been indispensable in this journey. I recently closed on a FW October UY contract at Riviera, split between two contracts- the FW and an addon contract to bring the total to 200. Since it's direct, it has the full 2020 UY points (200), and in October 2021, I will gain 200 2021 UY points, since they were unable to book me my 2021 UY fixed week and just dumped the points in my account leaving me with 200 2020 UY points and 200 2021 UY points (available Oct 2021).

1) They said they would try to work with me to book something for my "welcome home" 2021 UY stay since my fixed week isn't happening, is this usually guaranteed? I am planning on booking something in January 2022, but availability isn't great.
2) I'm only able to do Disney once a year at the moment, and would like to sell the 200 2020 UY points and the leftover of the 2021 UY points after my January 2022 (2021 UY) stay is booked. What order should I do this in, and how will the points be used? If I book the January 2022 trip tomorrow, will it first use the 200 2020 UY points, and then the remainder out of the 2021 UY points? I know it sounds confusing, but I'm trying to figure out which points I would actually be renting, since I've read 2020 UY points which need to be banked by May 31 2021 have less value than 11 month out points.
3) With 2 contracts, same UY, how does that affect renting? Is it one pool of points for rental/transfer sake?
4) Can you book a reservation into your next UY without having the points at the time? In other words, if I have 0 points now, and my 2021 UY is October 2021, can I book right now for January 2022 since I will have the points available when the reservation comes due?
If you bank your 2020 points now into 2021 it will use the banked 2020 points first for your Jan 22 reservation. Only bank if you don’t plan to use these points between now and Sept 30th.

Your points for both contracts work together for the 11 month booking period because they are for the same resort. You book based on the 11 month window of the reservation date, it depends on the UY which year’s points it draws from. Ex My Feb UY is already using 2021 points for all bookings after 2/1/21 vs your Oct UY which is still using 2020 points and will be for all reservations until 9/30/2021.

All points in a UY work together regardless of the home resort for 7month or less reservations.
 
Thank you for the explanation, I think I'm at least half way there on understanding it. So if I wanted to book the January 2022 stay, and then rent out the remainder of the points as I won't be taking a UY 2020 trip, what's the best order to do things? Bank the 2020 UY points, book the January 2022 stay with those banked 2020 UY points, and then transfer/rent the remainder of the UY 2021 points?
If it were me, I would list your 2020 points now for a transfer also book your january 2022 trip now with your 2021 points before your booking category gets fill. January is popular for dvc. This gives you time to think about 2021 extra points...if you want an extra trip or rent out or transfer the extra 2021 points.
 
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Do you actually need the $ from renting out 2020 points, or are you just trying not to waste them?
I'm in a similar boat- just purchased 2 Oct UY contracts and have the full 2020/21/22 points from each, and we're planning a trip Feb 22.

When you book the Jan 22 trip the system will use your 2020 points first (and ask you to bank them in the process). You can use all of your 2020 + 2021 + half of your 2022 UY points for that trip. With availability getting low you may want to use those points to get a bigger villa or different resort, or even add on days. Assuming you use all of your 2020 points on that trip, and maybe some of your 2021, you'll still have until Sept 31, 2022 to use up those 2021 UY points (or bank them by May 2022). So you could bank the remaining 2021 points to combine with your 2022 UY points for a bigger trip in calendar year 2023. (Think of this as 2 300 point trips instead of 2 200 point trips)

Personally I'd book the trip first and use the older points, then bank any remaining to use the following year (CY2023). With an Oct UY you have so much time left to use the 2021 points it seems better to save them.

Also, if you do decide to rent out some points (or don't need them for the 2023 trip because of your FW), keep in mind there is a premium to rent points in the home resort booking window. So you'd be better off renting the 2021 points which can be used on 11 month home resort window for a stay of Oct 2021 or later.
 
I don't think you mentioned when your FW is? I assume its not in October if that is your UY. Are you expecting to get your FW in 2022 or is the Jan trip replacing that?
 
Glad that was clear. For Jan are you able to get a studio for your dates? Typically 1bdr are easier to book so you may have to splurge a little.
Extra points are a good problem to have either way. Enjoy!
 
Great!
I think Oct use years are less intuitive since the you are three quarters behind the calendar year. I had to write it all out to make sure I had it right.
 



















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