I have seen many ads for resale points on ebay in which the mf's are said to be "including the program fee"? What is this? If a already own at Wyndham am i already paying a program fee, so my actual fees will be less than what is stated in add?
For all practical purposes, if the eBay listing is for a contract larger than 231k AND you already own at least 231k, then your MF would go up by the SAME amount listed in the ad, with possible 2c/1000 points difference as mentioned by others.
If the eBay listing is for less than 231k and you already own at least 231k, your additional MF by purchasing that contract will be LESS than advertised.
If the eBay listing is for less than 231k and you also own less than 231k, your additional MF by purchasing that contract MAY be less than advertised (the combined account would have to cross the 231k threshold), but should not be any more than advertised.
Of course, all this assumes that the seller has the right MF rate. There is usually a maintenance fee thread in this forum to determine the accurate underlying maintenance fees (i.e., not including the Program Fee) for a given resort. Then add the proper PF rate depending on whether you have any developer points or are 100% resale.