UY, borrowing, & 50% limit

[robyncat]

I'm on the struggle bus this morning and looking for clarification.
150 point contract / June UY
2020: 0 points
2021: 150 points

Looking to book November 2021 (at my home resort) using my 2021 points. If I book now (Dec 2020) am I borrowing from 2021 even though my reservation falls within my 2021 UY (6/1/21-5/31/22)? Or do I have to wait until 6/1/21 to have this transaction not be considered borrowing?

Want to stay within the 50% rule but need to know when I should book.

 

[Judique]

I'm on the struggle bus this morning and looking for clarification.
150 point contract / June UY
2020: 0 points
2021: 150 points

Looking to book November 2021 (at my home resort) using my 2021 points. If I book now (Dec 2020) am I borrowing from 2021 even though my reservation falls within my 2021 UY (6/1/21-5/31/21)? Or do I have to wait until 6/1/21 to have this transaction not be considered borrowing?

Want to stay within the 50% rule but need to know when I should book.

It's not borrowing as your Nov 2021 vacation is within your June 2021 use year. You can book your 150 points and in addition if you wanted you could book 75 points which you could borrow (50%) from June 2022.

Just to clarify, you can book now. Up to 1 week starting at Nov21, 2021, or anything before that date.

 

[drusba]

Rule to follow: You can always book up to 11-months out from date of arrival for home resort and 7 at others no matter which use year you have. To determine which use year is the "current" use year for any reservation, and whether you need to bank or borrow points, wipe from your mind the date when you will make the reservation and look only to the dates you will be at WDW.

 

[Sandisw]

When I first bought, I simply did this to help.

First, UY I was traveling. Once I knew that, I knew that I could pay for it with banked points from the UY prior to the trip, points from the UY of the trip, and borrow points...currently 50%...from the UY after the trip.

So, a November 2021 trip is in your June 2021 UY. So, when booking, you can use banked 2020, 2021, and borrow up to 50% lf 2022 to pay for it,

As already mentioned, when you book doesn’t change what points are eligible to be used!