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Old 01-09-2013, 08:44 PM   #12
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Join Date: Nov 2008
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One thing to also think about though is that rental and cash prices at Disney will also go up so while MF's will too, IMO, I think they are probably close to being a wash.

In terms of financing, I definitely think that one should consider it impact on final cost, but I also am one who thinks that there is no right or wrong way to look at it. We went to Disney for years, paying cash and spending around $4000 to $5000 a year for the trip. When we were deciding, we looked at what it would cost to own DVC, including using Disney's rates and decided if we could own it for no more than we were currently paying for our cash stays, the it might be worth it. We realized that even with the finance, we could get our typical 5 night summer stay at BLT in a 1 bedroom vs. just a deluxe room. So, while I wasn't necessarily saving, but rather getting much bigger and better rooms for around the same price. And, after 10 years and I was no longer paying the payment, my costs would indeed be less. For us personally, we would continue to go, had money to spend yearly for vacation, and didn't care if that paid for a cash room or finance charges.

In the end, we didn't end up needing to use Disney to cover the cost and given the 6 months, no interest with our Disney Visa, we had it covered. But, we considered it all and felt comfortable making the decision.

Given how you have laid it out, and are comfortable with renting--we were not--it may a good idea to investigate further to make sure you want to commit to dVC, because honestly, I think that is really the bigger picture--going to Disney year after year and all the food, ticket, and transportation costs that go along with it.

Good luck!

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cost, deluxe, dvc, points, price

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