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Posted by Bruce on September 1, 2024 at 12:17pm 0 Comments 0 Likes
Posted by Hibbah on September 1, 2024 at 12:12pm 0 Comments 0 Likes
There are two major distinctions between purchasing direct or resales that are the price and the ability to finance. Disney has its own lending arm so they can quickly get the financing you need. However, financing a resale property can be more difficult. There are third-party timeshare lenders as well as some companies selling resales can aid in the process of obtaining loans through one of them. The rates for third-party financing tend to be pretty high, but Disney's rates are similarly high.
To be honest, the costs of financing the cost of a DVC membership, no matter who you make the loan from We find them to be too high. We recommend you establish an account for savings if you don't have enough reason to sell dvc. If you decide to finance the purchase, evaluate all possible alternatives prior to deciding on the Disney financing. If you have the option then it could be sensible to take out a lower-interest credit line from your bank or credit union.
You can buy as many points as you want directly from Disney. However, with resales, you need to buy the whole contract. This means you'll have to be flexible, or wait until the appropriate size is in stock. On the other hand purchasing direct, there's a minimum amount of points you need to buy as a new member, but you are able to buy any size contract via dvc resale, down to the smallest size that is possible (25 points). Keep in mind, though that there are a lot of 100-180 point contracts on the resale market, however, there are very few that are really small or really large.
DVC points
Important Note: Resale points purchased recently do not enjoy the same benefits and privileges as points purchased from Disney directly. Any points dvc resales, regardless of the date they were acquired, can be used to make reservations at any Disney Vacation Club resorts adventurer collections.
Keep in mind that the redemption options that were removed in 2011 to resale buyers are not a good usage of DVC points. Special exchange options such as Disney Cruises or the Concierge Collection need a huge number of points, and the value you get from the points you earn is minimal - in fact, so little that if you purchased DVC points in the direct market and used them solely for exchanges such as cruises, you might never break even on the purchase. In reality, you're not getting any gain if you invest one year of DVC points on Disney Collection or Concierge Collection. This is because your break-even point for the original purchase was extended by around one year.
In almost all cases, you can rent out points to cash buyers and use the money to purchase a cruise or other exchange, and have money left over. The most profitable way to make use of DVC points is to stay at DVC resorts. Points bought on the resale market will allow you to do this. If you want to utilize DVC points on the cost of a Disney cruise, or to stay at a non-DVC Disney resort, you'll need to purchase your points directly from Disney.
Final Words
DVC purchases allow you to make a commitment to an annual Disney holiday with your family and friends. It could be more significant than budgetary considerations for certain people. It is up to you to determine whether DVC membership is a good fit for you.
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