New vs Add-on member direct pricing

[Sandisw]

I read on here, may have been old, that the add on minimum depends on financing or not. I thought they would sell you 25 for "Cash", but it was 50 if financing. Is it just 50 for the most part, regardless? Can take resort rules out of it, pick the most lenient resort, is there a minimum difference for add-on on cash vs finance still? (or ever, I may have misunderstood that old post)

Correct. If you are financing with Disney the minimum is 50 points, regardless of resort.

25 to 49 is only if paying cash for the older resorts and not using Disney financing.

 

[cbyrne1174]

Correct. If you are financing with Disney the minimum is 50 points, regardless of resort.

25 to 49 is only if paying cash for the older resorts and not using Disney financing.

So if you bought 50 points resale recently (after they started requiring 150), you can then buy 50 points from Disney and bypass the 150 requirement?

 

[Ruttangel]

Just to note they International buyers can't finance with Disney unless in Florida so would need to buy in cash or sort own financing out

 

[Sandisw]

So if you bought 50 points resale recently (after they started requiring 150), you can then buy 50 points from Disney and bypass the 150 requirement?

It will bypass the minimum buy in requirement, yes.

It will not get you membership perks. You must own 150 or more bought direct to get those.

But, buying resale first allows you to build up to that if you want perks. If you don’t, then it doesn’t matter.

There used to be a time when DVD would sell a new member less than the perks minimum but now they will not.

 

[cbyrne1174]

It will bypass the minimum buy in requirement, yes.

It will not get you membership perks. You must own 150 or more bought direct to get those.

But, buying resale first allows you to build up to that if you want perks. If you don’t, then it doesn’t matter.

I was thinking more along the lines that 50 RIV points direct actually isn't bad for retaining value incase you need to liquidate later on before 2070. It's enough points for someone to bank/borrow to get a week in a standard view deluxe studio every 3 years so the resale restrictions aren't that big of a deal because you can just use the contract to stay at RIV every 3 years. Also, since it's a direct purchase, you can also sleep around with the points at the future restricted resorts.

20 years from now a 50 point RIV contract should still have decent value because it will still have 28 years left and is a desirable amount to buy resale to use every third year.

 

[Sandisw]

I was thinking more along the lines that 50 RIV points direct actually isn't bad for retaining value incase you need to liquidate later on before 2070. It's enough points for someone to bank/borrow to get a week in a standard view deluxe studio every 3 years so the resale restrictions aren't that big of a deal because you can just use the contract to stay at RIV every 3 years. Also, since it's a direct purchase, you can also sleep around with the points at the future restricted resorts.

20 years from now a 50 point RIV contract should still have decent value because it will still have 28 years left and is a desirable amount to buy resale to use every third year.

As an owner, you can definitely do this. Just keep in mind that borrowing is currently at 50% and they don’t have to change it back.

Banking and borrowing can be adjusted if they feel there is an imbalance to the system. But, even every other year, that gets you 5 nights many times of the year in a SV studio.

And, I think when more resorts come online with the restriction, RIV will hold better value anyway.

I know it’s early, but it’s done a lot better than most of us predicted it would onThe resale market!

 

[cbyrne1174]

As an owner, you can definitely do this. Just keep in mind that borrowing is currently at 50% and they don’t have to change it back.

Banking and borrowing can be adjusted if they feel there is an imbalance to the system. But, even every other year, that gets you 5 nights many times of the year in a SV studio.

And, I think when more resorts come online with the restriction, RIV will hold better value anyway.

I know it’s early, but it’s done a lot better than most of us predicted it would onThe resale market!

Yea that's what I'm thinking too. If people want a restricted resale contract, theyre going to always want small contracts.