Mostly the biggest difference between Affiliate vs true HGVC resorts seems to be with borrowing your points from future years. With true HGVC resorts it very easy to borrow points from the following years to complete reservations. With affiliates it maybe more complicated. You may have to pay your MFs ahead of time before they'll let you borrow or they may not let you borrow at all. This has been reported a few times but not often, so it may not be a big deal. Not sure.
Mostly the biggest difference between Affiliate vs true HGVC resorts seems to be with borrowing your points from future years. With true HGVC resorts it very easy to borrow points from the following years to complete reservations. With affiliates it maybe more complicated. You may have to pay your MFs ahead of time before they'll let you borrow or they may not let you borrow at all. This has been reported a few times but not often, so it may not be a big deal. Not sure.
I own with Fiesta Americana (Mexico resort) and I can borrow points (no fee) or roll my points over into the next year ($89 fee).
I can use to several Hiltons including the ones in Hawaii 9 months out as well as bonus time. The Honolulu resorts I have to check at 9 months to see them or it will be sold out.
Mine is a RTU but I have 34 years left on it and I only paid $2k for a 7k points account and $1500 for a 5k points account which was cheaper then purchasing through HGVC.
I can use the points for some airlines but not all Hilton resorts.
We prefer Mexico so if they ever change the rules and don't let us use their resorts we will still be happy with our purchase.
Susan
Yes it does. My concern is if Affiliates decides to pull out or HGVC kicks them out for whatever reason...thanks
ks