DVC DIRECT Add On Points Thread

[TinkAgainU]

Possible price increase (looks like just Some resorts) on 2/11/2025 - see the link below. Someone said their Guide also said (sorry, third person info is not super helpful, but all I have) that Grand Californian was also going up? This link does not mention Grand Californian - it is only referencing the "active" resorts and not all the resorts.

https://dvcfan.com/purchasing-dvc/multiple-dvc-resorts-see-direct-price-increase/

 

[SpicyMcHaggis]

Yes, I'd expect to see all locations getting a price increase, with the focus of course being primarily on those resorts which are currently in active sales. The 2042 resorts direct prices are a bit of a question mark though, I'd expect them to start dropping with other resorts having much longer contracts available being similar in price.

 

[TinkAgainU]

Yes, I'd expect to see all locations getting a price increase, with the focus of course being primarily on those resorts which are currently in active sales. The 2042 resorts direct prices are a bit of a question mark though, I'd expect them to start dropping with other resorts having much longer contracts available being similar in price.

It gets very tough to make the math work for Direct, when you are trying to spread that upfront cost over 16 years for a 2042 resort, versus say 48 years at Disneyland (I'm ignoring the last year since I think they actually expire .January 31st of their Expiration year - so it's a bit misleading). Although so many resale contracts are stripped to '26 and even '27 now, they are trashing the math on those even more.

 

[Dis507]

Mine told me the same thing as I was looking to buy into the Poly direct with a loaded contract for my UY. All current and limited sale properties will see a price increase Feb 11th.

 

[atthebeachclub]

At some point these prices start to feel unsustainable and I think we might see widening gaps between resale and direct pricing. With high market interest rates and without the same financing options as Disney offers, I just don’t think resale is going to be following the same long term pricing trajectory here as direct, especially as more and more resale goes up for sale long term (supply increases seem to be a constant from DVC as they keep building new locations). This could erode one of the big values of owning DVC specifically: a strong resale market for when you are done using the product. If resale prices don’t track with direct, breaking even on your purchase if you ever sell will become a lot more difficult.

 

[Sandisw]

At some point these prices start to feel unsustainable and I think we might see widening gaps between resale and direct pricing. With high market interest rates and without the same financing options as Disney offers, I just don’t think resale is going to be following the same long term pricing trajectory here as direct, especially as more and more resale goes up for sale long term (supply increases seem to be a constant from DVC as they keep building new locations). This could erode one of the big values of owning DVC specifically: a strong resale market for when you are done using the product. If resale prices don’t track with direct, breaking even on your purchase if you ever sell will become a lot more difficult.

I think this is why some of us offer the advice to be very careful not to use this as a major factor in deciding.

Given all the variables that DVC could do to change things, it’s risky.. especially since they have been working for so long to make direct different than resale.

 

[eandt]

At some point these prices start to feel unsustainable and I think we might see widening gaps between resale and direct pricing. With high market interest rates and without the same financing options as Disney offers, I just don’t think resale is going to be following the same long term pricing trajectory here as direct, especially as more and more resale goes up for sale long term (supply increases seem to be a constant from DVC as they keep building new locations). This could erode one of the big values of owning DVC specifically: a strong resale market for when you are done using the product. If resale prices don’t track with direct, breaking even on your purchase if you ever sell will become a lot more difficult.

I don’t know much about other timeshares but from what I have heard from others most if not all others hold virtually zero resale value. If Disney even holds 40-50% we are ‘ahead’ of the timeshare game by a lot. We don’t have many but all of our points were purchased direct because we felt the value of the convenience of that process made sense to us, we didn’t go into this with the idea of making $, breaking even or even ever selling our contracts at all. We have no regrets except we wish we would have bought in 30 years ago.

 

[atthebeachclub]

I don’t know much about other timeshares but from what I have heard from others most if not all others hold virtually zero resale value. If Disney even holds 40-50% we are ‘ahead’ of the timeshare game by a lot. We don’t have many but all of our points were purchased direct because we felt the value of the convenience of that process made sense to us, we didn’t go into this with the idea of making $, breaking even or even ever selling our contracts at all. We have no regrets except we wish we would have bought in 30 years ago.

Doing the math on a contract with zero or negative residual value is definitely something people should consider looking at prior to purchase. Especially on longer contracts (more time for things to change). Compare with rack rates. Could be interesting.

 

[Brian Noble]

Agreed.

It is still possible to get a direct purchase to pencil out with zero salvage value. It just takes a long time! The last time I did this, I had the break-even point a good 15-17 years into the future. That was assuming a 30% room rate discount for cash, an amortization rate of 4% for the purchase price, and the same rate for inflationary increases in room rate and dues. It varies based on what you pick for your time-value-of-money rate---the higher the rate you pick, the longer it takes because of the large up-front costs.

The other way to look at a purchase (direct or resale) is not "I am saving money with this" but instead "I can vacation in the manner I would enjoy at a price I can afford."

I'm a big fan of the second way, and that's because in my 15-20 years of experience as a timeshare owner, owning timeshare has not saved me money. At all. And that's despite the fact that, up until a month ago, I put my portfolio together at a total acquisition cost of approximately "free."

Why, if my timeshares were all free*, did I spend more money? Because I traveled much more often. The lodging was a screaming deal. But that doesn't save me money on airfare. Or food. Or entertainment. Or really anything else.

------
*: Well, except for the most recent one. That was a doozy.

 

[eandt]

Agreed.

It is still possible to get a direct purchase to pencil out with zero salvage value. It just takes a long time! The last time I did this, I had the break-even point a good 15-17 years into the future. That was assuming a 30% room rate discount for cash, an amortization rate of 4% for the purchase price, and the same rate for inflationary increases in room rate and dues. It varies based on what you pick for your time-value-of-money rate---the higher the rate you pick, the longer it takes because of the large up-front costs.

The other way to look at a purchase (direct or resale) is not "I am saving money with this" but instead "I can vacation in the manner I would enjoy at a price I can afford."

I'm a big fan of the second way, and that's because in my 15-20 years of experience as a timeshare owner, owning timeshare has not saved me money. At all. And that's despite the fact that, up until a month ago, I put my portfolio together at a total acquisition cost of approximately "free."

Why, if my timeshares were all free*, did I spend more money? Because I traveled much more often. The lodging was a screaming deal. But that doesn't save me money on airfare. Or food. Or entertainment. Or really anything else.

------
*: Well, except for the most recent one. That was a doozy.

Here is our experience. Had been going to Disney mostly yearly sometimes more for 28 years or so … always stayed at moderates which were fine accommodations for us. We had tinkered with DVC over the years but we were never really ready or able to pull the trigger on a cash purchase with that much $ up front. About 5 years ago we looked at it again as our lives had changed, semi retired, better off financially, kids grown, hopeful of being blessed with grandkids but still couldn’t get over the hump. Ended up renting points a couple of times off a fine person we found here and after that we were hooked. We found that we could stay at the nicer properties for about what we were paying for the moderates (or less). We would never pay rack or even the discounted price for a deluxe without DVC even though we would now be able. With DVC we only had to make that decision to ‘pay up’ one time which sucked but now we reap the benefit of that at least 2x’s a year and now this November will be our first trip with our first grandchild! We are extremely excited to see her (and hopefully more in the future) enjoy what we have been so fortunate to be able to give to her ….So to us the word ‘investment’ means something much different than money when it comes to DVC, our plan is for our kids to take over the contracts at some point so never plan to sell but even when these contracts are worth zero and all the tens of 1000’s of $ has been spent the decision for us will have been worth every penny we spent and our ‘return on investment’ invaluable.

 

[Cfabar1]

Why, if my timeshares were all free*, did I spend more money? Because I traveled much more often. The lodging was a screaming deal. But that doesn't save me money on airfare. Or food. Or entertainment. Or really anything else.

------
*: Well, except for the most recent one. That was a doozy.

This, in the context of DVC is something prospective buyers often forget. The initial buy in and dues are only part of the equation. Add in the family of four annual passes and the need for two trips a year, the Disney dining prices...

When considering the cost of DVC direct perks, how do you account for the free cokes in the EPCOT lounge is the real question....

 

[TinkAgainU]

Big News! Grand Floridian is available again although at a whopping $265! Many of us recall when Grand Californian got scarce and price skyrocketed (VGC is still Very hard to get Direct). Per my Guide, limited VGF points are available.

Here are the increases, I'll update page one when I get back from my WDW trip

From the http://www.dvcfieldgide.com site...

 

[SugarSweetLee]

Big News! Grand Floridian is available again although at a whopping $265! Many of us recall when Grand Californian got scarce and price skyrocketed (VGC is still Very hard to get Direct). Per my Guide, limited VGF points are available.

Here are the increases, I'll update page one when I get back from my WDW trip

From the http://www.dvcfieldgide.com site...

View attachment 937769

Riviera's contract ends in 2070

 

[TinkAgainU]

Riviera's contract ends in 2070

Yep, but I think it's still a helpful chart (not my chart lol). I did ask if I could repost the graphic here, so there could be an updated version on that website.

Although honestly ALL the Expiration Years are slightly confusing if you are doing the math, I find. They expire January 31st of that year

 

[PlutoNotPlanet]

Wow VGF is expensive now. It feels like 100 more over 2023 sales

 

[ShaneDJ]

Wow VGF is expensive now. It feels like 100 more over 2023 sales

Yup. In the 2023 summer sale at VGF you could get direct points at VGF for $161/pp.

"This combination of offers could take the price as low as $167 per point for new buyers and $161 each for current owners"

https://dvcnews.com/dvc-program-men...price-increase-planned-as-sell-out-approaches