How does someone know it's a good decision for them, to purchase DVC?

[Childs1stTime2Disney]

Get 100 points and use three years worth of points as a bank/borrowing strategy to get to the 280. Make sure you actually want to go every year before buying and paying dues on the full 300 points.

I’m not saying to do that, just an example of “starting small”.

If going direct, I would not buy less than 150 points in your situation. Might as well get the incentives and member discounts.

How many years in advance can you borrow points? And are there any stipulations on reselling your DVC should you change your mind? At what point that someone might sell do you know if you have lost money or broke even, etc?

 

[Childs1stTime2Disney]

No one ever considers the fact that once Riviera sells out DVC may start to exercise ROFR on Riviera resale contracts effectively establishing a floor which I suspect will be higher than current resale value. Right now it’s the Wild West on Riviera resale. The 200 point contract I just added came out to $112.50/point. I would fully expect Disney to exercise their rights on that when not actively selling Riviera points.

Can you explain this ROFR to me?

 

[cruisehopeful]

How many years in advance can you borrow points? And are there any stipulations on reselling your DVC should you change your mind? At what point that someone might sell do you know if you have lost money or broke even, etc?

You can borrow from one year ahead. I have a June use year. I can borrow from 2026 for this year up until May 31, 2026 reservations. If I want to book in June 2026, I can borrow from 2027.

Can you explain this ROFR to me?

Disney has Right of First Refusal. When someone is buying (already signed contract and paid a deposit towards the contract), Disney will decide if they will let the sale go through or if they want to buy the contract back at the same price/ terms that the contract states. The seller and the broker still get what the contract said. The buyer misses out and gets nothing besides their deposit back.

 

[AstroBlasters]

How many years in advance can you borrow points? And are there any stipulations on reselling your DVC should you change your mind? At what point that someone might sell do you know if you have lost money or broke even, etc?

I would highly recommend going to YouTube and looking up DVC Fan & Magic and the Music. They have whole introductory series on this.

 

[Brian Noble]

I second @AstroBlasters suggestion. If you are a book person instead of a movie person, this site has a very digestible introduction.

https://dvcfieldguide.com

 

[VGCgroupie]

agree with @AstroBlasters you tube is a wealth of information and helped us tremendously when deciding. It helps to hear various people explain DVC verbally rather than reading.

We liked the channels he quoted and also
Pixie Dust PHD
Shannon Ford
Here with the Ears

Also just plug “should I buy DVC” into the search of you tube and so many things will pop up for opinions.

 

[sethschroeder]

Which, if you think about it, is more or less the value proposition of timeshares in general.

Eh timeshares in general I can get a place literally next door for possibly cheaper on a yearly basis. I also 99% of the time with timeshares dont actually want to be back in that spot every year for even 3 years let alone 40.

Edit to add I 100% respect your view as I know you have timeshares and it works magic for you. You trade in to DVC if I am not mistaken even with your very low cost time share offerings. So you 100% know more than me on general timeshares.

 

[sethschroeder]

If 10% of those points hit the resale market

Roughly 1% on average points hit the resale market per year. Math was done on long term a while back and I have done shorter term checks and it was fairly similar numbers.

So 10% will never hit the market at the same time. It could ebb and flow.

Here is the thing the average person will see:
1) RIV in the Epcot area with 40 years left
2) BWV with 15 years left
3) OKW/AKV not anywhere close to parks AND with MFs more than RIV
4) SSR with less MFs (for now) but again not close to parks

Those are your bottom 5 resorts right now. RIV is possibly behind BWV right now but in a couple years when BWV hits 15 years left and its days are numbers both BWV and even BCV will fall behind RIV because of time left.

What could hurt RIV is another Epcot resort that is walkable instead. At that point though both BWV and BCV would also take a nose dive.

 

[Childs1stTime2Disney]

I would highly recommend going to YouTube and looking up DVC Fan & Magic and the Music. They have whole introductory series on this.

Will do, thank you!

 

[sndral]

How many years in advance can you borrow points? And are there any stipulations on reselling your DVC should you change your mind? At what point that someone might sell do you know if you have lost money or broke even, etc?

No more than the next year, you borrow from your next use year when you make a reservation & the earliest you can make a reservation is 11 months from your arrival date.
So if you were making a reservation for this fall which was in your 2025 use year you could borrow points from your 2026 year to complete that reservation if you needed more points, but you could not borrow from 2027.
You can use 3 years worth of points to make a reservation - you can bank your previous years points forward + use all of the years point for the year the vacation is in + borrow from the use year after the vacation.
I have a grand villa booked for a week in October 2025 which cost 700 points. I only have 260 points at that resort, so I used my previous years 260 points which I’d banked earlier + my current 260 points + borrowed 180 from my next years points.

 

[ShaneDJ]

Can you explain this ROFR to me?

See this section: "What is Right of First Refusal (ROFR)?"

...in this recent report:

DVC Right of First Refusal Report (ROFR):
https://www.dvcresalemarket.com/blog/dvc-right-of-first-refusal-report-rofr-april-25/