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It is unusual to have a maint. fee during construction. If you do dthen there should be some trading value with your exchange...II? In terms of bankning, when you have a unit, and you choose not to use it or trade it in the current year, you can Bank the week with II. That means for the next two years you have a credit of q week with II to do an exchange through them. To schedule an exchange through II there is a fee of about $130 for US and higher for non US. I've used the banking method from time to time and have been generally pleased. I use it to take two week vacations. Not always in the same place for two weeks. Check with your sales agent about the week being available for exchange. If he does not know, then call LL and discuss with and agnet. They will know if the resort has units that are usable for exchanges. If not then contact the attorney general in your state and file a complaint about maintenance fees on an under construction unit. Also check your contract and see what it says about under construction units and fees. Good luck and have fun. We have enjoyed our several time share units.