DVC Direct Nov 25 Sales

[AstroBlasters]

I would have to assume that is correct… but the fact that Disney is still charging so much for those 2042 resorts….

EIGHTY TWO THOUSAND FIVE HUNDRED DOLLARS upfront + closing + nearly $3k in dues for 300 Beach Club points….

Let’s say thats 13 nights a year in a studio…. Right now you can get a Resort View hotel room with a 25% discount for $589 + tax.

So… let’s say $650 a night. That’s $8,450 a year for 13 nights.

If you took $82,500 and put it in a 4% money market and pulled out $8,450 a year after 15 years you would still have $20,621… that’s not even taking into account the $3k in annual dues! If you adjust for that then there is nearly $40k left over at the end.

So… IMO, it’s better to just buy resale or pay cash rates instead of paying these ludicrous 2042 direct prices….

 

[jcolvin5]

Delete

 

[jcolvin5]

EIGHTY TWO THOUSAND FIVE HUNDRED DOLLARS upfront + closing + nearly $3k in dues for 300 Beach Club points….

Let’s say thats 13 nights a year in a studio…. Right now you can get a Resort View hotel room with a 25% discount for $589 + tax.

So… let’s say $650 a night. That’s $8,450 a year for 13 nights.

If you took $82,500 and put it in a 4% money market and pulled out $8,450 a year after 15 years you would still have $20,621… that’s not even taking into account the $3k in annual dues! If you adjust for that then there is nearly $40k left over at the end.

So… IMO, it’s better to just buy resale or pay cash rates instead of paying these ludicrous 2042 direct

At today’s direct prices, Beach Club in particular is hard to justify purely on a financial basis—especially if the use case is mostly studios and there’s reasonable hotel availability with discounts. When you run the opportunity-cost math the way you did, the numbers just don’t bend enough to overcome the upfront capital + dues drag. Even before factoring in flexibility, you’re already winning by a wide margin.

Direct DVC only really “works” financially when you’re extracting value in ways cash guests can’t (long stays, larger villas, peak seasons, guaranteed availability at 11 months, etc.). If someone’s comparing a studio to discounted hotel rooms, the math almost always favors cash or resale.

 

[PolyRob]

Well, at least the nice thing about CCV is that it is pretty tough to beat their points chart on 2 BRs - certainly not in the MK area

In most seasons, a CCV two-bedroom is ONLY 10-20 points more than a VGF one-bedroom for a week

 

[AstroBlasters]

At today’s direct prices, Beach Club in particular is hard to justify purely on a financial basis—especially if the use case is mostly studios and there’s reasonable hotel availability with discounts. When you run the opportunity-cost math the way you did, the numbers just don’t bend enough to overcome the upfront capital + dues drag. Even before factoring in flexibility, you’re already winning by a wide margin.

Direct DVC only really “works” financially when you’re extracting value in ways cash guests can’t (long stays, larger villas, peak seasons, guaranteed availability at 11 months, etc.). If someone’s comparing a studio to discounted hotel rooms, the math almost always favors cash or resale.

I was trying to bend the math in the buyers favor by giving them more days in a studio.

I’m a villa person myself, so I accept the premise.

Let’s change it up. I found some nights in November mid-week where you can get a 2BD for 6 nights on points or pay $1638 a night. No discounts.

Let’s say that’s $10,810 for those 6 nights with tax.
So, reduced for dues that would be $7,810.

In that scenario you come out $7,806 ahead by doing DVC direct vs cash… of $520 a year.

I’m hoping that’s how they did the math…. I just wish they would have known about resale….

 

[tx911]

In most seasons, a CCV two-bedroom is ONLY 10-20 points more than a VGF one-bedroom for a week

Aren't they about the same square footage though? (I kid, I kid)

 

[Genie+]

In most seasons, a CCV two-bedroom is ONLY 10-20 points more than a VGF one-bedroom for a week

It’s crazy. I was just looking at our April 2026 trip in VGF 1BR at 46pts/nt, and that is weekday resort view lol.

Ouch! Compared to using our BWV for 2BR which would only be 43pts/nt those same nights.

 

[PolyRob]

Aren't they about the same square footage though? (I kid, I kid)

You helped me with CCV direct FOMO!

It’s crazy. I was just looking at our April 2026 trip in VGF 1BR at 46pts/nt, and that is weekday resort view lol.

Ouch! Compared to using our BWV for 2BR which would only be 43pts/nt those same nights.

VGF is so expensive... BUT I still love it

 

[tx911]

You helped me with CCV direct FOMO!

I still need help with mine

VGF is so expensive... BUT I still love it

Agree. All my resorts are expensive so I barely notice it!

 

[jcolvin5]

I was trying to bend the math in the buyers favor by giving them more days in a studio.

I’m a villa person myself, so I accept the premise.

Let’s change it up. I found some nights in November mid-week where you can get a 2BD for 6 nights on points or pay $1638 a night. No discounts.

Let’s say that’s $10,810 for those 6 nights with tax.
So, reduced for dues that would be $7,810.

In that scenario you come out $7,806 ahead by doing DVC direct vs cash… of $520 a year.

I’m hoping that’s how they did the math…. I just wish they would have known about resale….

This is probably exactly how they ran the math. Take the most extreme cash comparison, assume optimal use every year, and ignore resale entirely. Under those assumptions, direct looks defensible - not compelling, but defensible.

For experienced DVC owners, I think the conclusion is the same. Resale crushes direct on ROI. Cash often wins for studios or flexible travel. Direct only makes sense if you already value the non-financial perks and are locking into long-term, high-end villa usage.

 

[atthebeachclub]

Is CCV hard to book outside of Christmas and major holidays? I sort of assume you don’t necessarily have to own their to enjoy the low point 2 bedrooms in the offseason (2 bedroom is likely the only size we’d stay in there).

 

[airjay75]

Is CCV hard to book outside of Christmas and major holidays? I sort of assume you don’t necessarily have to own their to enjoy the low point 2 bedrooms in the offseason (2 bedroom is likely the only size we’d stay in there).

If you compare the charts at dvcfieldguide.com, I'd say CCV dedicated 2 BRs are more difficult to book than VGF 2 BRs (resort or preferred) and BLT 2 BRs (preferred or theme-park). BLT standard view are more difficult to book than CCV 2 BRs. I think PVB is unknown at this point given how new PIT is - I personally think it will settle out closer to VGF availability given the points charts.

 

[Sandisw]

I work with people who have a LOT of disposable money. Usually the reason they have it is because they don’t spend $41,250 more than they have to….

If they don’t want to buy resale then they would be better off not buying DVC and just paying cash for the rooms…

I’m talkin about people who have millions and that is a drop in the bucket to them.

Obviously for those people, it was worth what they spent. I say more power to them.

 

[AstroBlasters]

I’m talkin about people who have millions and that is a drop in the bucket to them.

Obviously for those people, it was worth what they spent. I say more power to them.

So am I….

Ironically, people worth millions are more often than not the ones who are very particular about their spending. It’s the people who make a really high come and have little savings/liquid net worth that often spend money without really thinking about it.

Also, the REALLY big net worth that are willing to spend big don’t buy timeshares… they just stay in the Presidential Suites or rental homes.

 

[Sandisw]

So am I….

Ironically, people worth millions are more often than not the ones who are very particular about their spending. It’s the people who make a really high come and have little savings/liquid net worth that often spend money without really thinking about it.

Regardless, it obviously makes sense for whomever did it

 

[PolyRob]

I still need help with mine

Agree. All my resorts are expensive so I barely notice it!

Fair point! I booked a VGC one-bedroom on VGF points and it didn't seem that much worse