well, apparently 'search feature' is not working for me at all anymore. If you can search, the posters were Renate_do and Ghost.
If I recall, by purchasing directly from Disney the downpayment is much larger (I believe 30%) and financing was at a much higher interest rate.
Ghost and I both bought resale contracts.
Also, I would suspect that they would NOT allow a guide to do the whole tour in German, in particular the financial portion of the tour. As this would leave them open to liability if something was translated incorrectly by a well meaning guide.....
I also went to try and find the list of guides as I don't recall a German name on the list, but can't find that thread either....