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Old 11-14-2012, 12:38 AM   #18
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Join Date: Feb 2005
Location: MA & AKV/BWV/VWL
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Originally Posted by Aladdin72 View Post
My wife and I just purchased Direct at SSR for 175 pts with a March UY yesterday. That said, we looked at several resale locations and the financing options as well for the purchase. The incredible thing was, because we bought and dictated our purchase location and use year we received our current year's(2012) points (and we have 2 weeks to decide to bank or use) and will receive our upcoming year's points obviously. We have a first payment due in Feb, and put down 15% to cover the 7 weeks of dues. Our monthly payment (10yr financing, but our finances will allow us to pay it off in Aug 2013), include the annual dues over 12 months. With us banking the points we essentially received 350 pts for March 2013 use, paid 55/pt, with the full benefits entitled to direct buy, AP pass and all....

This was by far cheaper than the currently listed prices of most regales at SSR for 63+ /pt, with no ROFR issues or anything.

I have to say I am extremely happy with this and will purchase our next round in Nov 2013 at OKW for 200 Pts and same UY. There was no downside to this purchase, you just have to be smart on the time to buy, make your intents known for what you want in terms of pts and UY and they (Disney) will accommodate you.
If you purchased directly from Disney then your contract cost you $110/point. For that price you will get 175 points every Use Year from 2012 through the end of your contract.

If you purchase a resale contract that has all 2012 UY points and beyond intact, you would get exactly the same total number of points for, say, $60-$65 per point. You might even find a resale contract that has all of the 2011 UY points banked, giving you an additional year's worth of points over what you got from Disney. With resale purchases the seller usually asks for reimbursement of the current year's dues. Whether or not that is justified is a bit complicated and depends on the contract's UY and how many banked and current points you are getting.

Closing costs will be higher with resale so add a couple of dollars/point to account for the difference. Even at $70/pt, you would save $7000 buying SSR on the resale market.

Just an FYI: If it has been less than 10 days since you signed your paperwork, you can rescind your purchase and get your money back.
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