UY and Banking questions

[kenny]

Ok, so I think we decided last night to take the plunge. However after reading the book that came I still have questions so who better to ask then the vets on these boards.

OK, as far as use year is concerned:
1.If our favorite time is 1st 2 weeks of december (with oct our 2nd favorite) what use year should we get?
2.Who determines use year? Can I say I want a specific one when I buy or do I get whatever they give? We are probably buying SSR if that makes a difference.

AS far as banking/borrowing:
1.I know you have to bank in the 1st 8 months of your use year. IF you do do you get the entire next year to use the points or just a certain amount of months?
2.Can I bank/borrow every year or is there a limit? I know with some timeshares they limit the number of times you can bank/borrow in a row. My parents have a timeshare through RCI and I am pretty sure they can not borrow or bank several years in a row. Example, Can I borrow or bank 3 years in a row?

Thanks for the help. Still can't believe we are going to do this!

 

[drusba]

If Oct and Dec are usual visit times then Oct, Sep, Aug, or June use year is good. Example: us Sep points to go in Dec and if you have to cancel, you will still have plenty of time to bank.

Disney is usually selling use year that begins a few months before date of purchase but you can ask for different one and they will usually give it .

You have until end of 8th month in use year to bank into the next use year. That rule applies to current use year points every year. Those points banked are good for the entire use year into which they have been banked. They cannot be banked again into a third year. You can borrow (and you only borrow) when you call to reserve a time. There is no limit to number of times to bank or borrow.