How do add-ons work?? Is it 50pts that disney finances??

[Disneyfun1]

Well.......we are all set to close on 170 points on dec 12, but we decided again to change and go down to 150 points. I just left a message with my rep and with the admin office asking them to change it and send out new paperwork. Is it a pain for them to do? or do they just do it all the time for people who cant make up their minds?? Our reason is.....we wanted 200 points, but the intial down for us was too high at the moment because we are financing 30% down for 5 years. we went to 170 to be close, but im thinking we get the 150 and make do.....which is enough points anyway im sure, and then we do an add-on at BC for 50 later down the line and we have 200 total. Does this make sense?? or am i doing it wrong?? I know we will have 2 home resorts and only some are home for 11 month window depending on where they are. WE go in sept, so its pretty slow anyway and we never have a prob getting a room. Does disney do the financing again for 50 pt add-ons or how does this all work??

 

[Beth]

You're correct - Disney will finance on purchases of 50 pts or more. (Minimum to purchase w/o financing is 25 pts)

When we first purchased, we had opted for Vero, but then changed our minds and had them re-write it for OKW. I'm sure they have to do that all the time...

 

[Wislodgers]

A minimum add-on is 25 points, and to finance through Disney it is 50 points. We just added on points, and it closed about 2 weeks ago. We bought into DVC at VWL in Feb of this year, have added on, and we have not even made our first trip home!! We would have like more points when we initially purchased, but did not want to buy more until we had the cash in hand.
As for them having to change the paperwork, I would think they get that a lot. When we were at Disney in February, we toured and did our paperwork. The next day when we were in the parks, DH and I felt we should add more points on. They had to rewrite the contract, they picked us up at the hotel brought us to Boardwalk to sign the papers and brought us back to the hotel. It did not take very long and our guide was very nice about it. Good luck on your decision!