Considering an SSR resale - some questions

[HFJohnson]

After having a chat with a DVC rep on a recent holiday I'm pretty much set on buying DVC but that resale is the best option for me.

I've found a potential contract on DVC Resale Market (hopefully a good company to work with?) that gives me 150 SSR 0/0/113 94 points (I was going to offer 88) for $15,487 with a use year of Feb that should work for me (I plan to visit in May or possibly October). Annual dues paid for 2025 and a partial refund for 2026.

So my questions are...

* Does the quoted cost include everything or are there any other costs I need to factor in?
* This is largely a solo venture (DH not so much of a Disney person!) but if I go ahead, should I consider adding my husband and/or children on to the contract?
* I've only been looking a week - am I rushing in too quickly? I don't need the points until 2027 so a stripped contract works for me. As soon as I get the points in my name I will rent out the remaining points for 2026 so I figured the sooner I can do this the better.
* Is there anything else I need to be aware of? I'm buying from the UK if that makes any difference. Will the broker talk me through the process? I work in financial services so pretty comfortable dealing with paperwork
* Can I pay for it all with credit card? I have one that doesn't charge fees on overseas transactions, I just need to check my credit limit.

Thanks

 

[pinkxray]

I started out on the same path as you. Bought SSR resale for myself, with a non Disney husband. I still put his name on it just so if something happens to me, he can sell it easier down the road. My kids were too small to put on when I bought so it wasn’t an option. DD is now 20, and I would not add her on any time soon. The main concern with adding adult kids is if they get married and then divorced, the ex spouse might bring up the ownership of your dvc contract in the assets.

I’ve never seen any one be able to use a credit card for the whole purchase. Depending on which broker they might allow something like 2,000- 5,000. Haven’t seen anything above $5,000.

I would say if you have done your research, you aren’t rushing it. Since you have time, make sure you have what you want to pay in mind when making an offer. If $88 is your highest, don’t get caught up in negotiation. There are other contracts and you can move on if this one isn’t at the price you want.

The broker should be able to explain the process. These boards are also pretty good at understanding every step of the process.

I believe when buying, the costs are all laid out in the final price. Price per point, dues for this year, closing cost, and one broker has a fee.

 

[Frederic Civish]

After having a chat with a DVC rep on a recent holiday I'm pretty much set on buying DVC but that resale is the best option for me.

I've found a potential contract on DVC Resale Market (hopefully a good company to work with?) that gives me 150 SSR 0/0/113 94 points (I was going to offer 88) for $15,487 with a use year of Feb that should work for me (I plan to visit in May or possibly October). Annual dues paid for 2025 and a partial refund for 2026.

So my questions are...

* Does the quoted cost include everything or are there any other costs I need to factor in?
* This is largely a solo venture (DH not so much of a Disney person!) but if I go ahead, should I consider adding my husband and/or children on to the contract?
* I've only been looking a week - am I rushing in too quickly? I don't need the points until 2027 so a stripped contract works for me. As soon as I get the points in my name I will rent out the remaining points for 2026 so I figured the sooner I can do this the better.
* Is there anything else I need to be aware of? I'm buying from the UK if that makes any difference. Will the broker talk me through the process? I work in financial services so pretty comfortable dealing with paperwork
* Can I pay for it all with credit card? I have one that doesn't charge fees on overseas transactions, I just need to check my credit limit.

Thanks

Congratulations on your decision to buy into DVC. I have bought contracts on both the Direct from Disney market and from the Resale market, and I generally recommend the Resale as a much better deal. I have a large family of Disney lovers and 4 of them have ended up purchasing their own DVC, all from the Resale market, and they wish they had more.

* I'm not completely sure how it is from England, but I don't think you should have a lot of other costs. But ask your Broker, to make sure.
* Even though this is just you, I do recommend that you consider putting your husband and children on the contract. Why? Because this will make them DVC owners, also (even if it is just you that is the REAL owner) and they will be able to talk directly to Disney when necessary, as DVC owners, and help you with reservations and things.
* If you have only been looking a week, then I don't think you need to be in too much of a hurry. There are a number of good deals out there that will pop up, and, as they say, there are many fish in the sea. But, the price you are quoting does seem pretty good to me, and SSR has a decent DVC expiration date of around 30 years down the road.
--- One thing to keep in mind is that contracts that have points available on the NOW, or SOON and that are not STRIPPED are worth a bit more. Since you are going to rent some out, then clearly they could carry the added benefit of a bit more financial reward. And it is no fun to buy NOW, but then to need to wait 2 years to be able to use it.
--- I have also bought contracts through the company you mentioned (and several other companies, too) and I was satisfied with all of them.
* Yeah, I agree with the above poster that the Seller is unlikely to accept a Credit Card for all of the purchase, UNLESS they tack on an additional fee of 3% to 5%, because that is what they lose by accepting the credit card. It might be better for you to take out a personal loan then use that cash to pay for things.

Good Luck!!