Spring Direct Incentives 2/9-4/27

[Cfabar1]

I really don’t like that they aren’t sharing the pricing sheets. I know when I purchased direct it made me jump from 150 to 200 points because there was a material incentive increase. I also split the contract into 2x100 pointers…. if I could go back now it would probably be 4x50 pointers.

I agree… I plan to write my guide today and ask for a copy of them… just to see what happens…

I’d encourage others to do the same…

 

[KGdreamer]

Thanks to this board we just saved an extra $650. We were in the process of buying 150 points at poly with the military discount. D23 did not stack so our numbers were 235-15 (military) - 9 (developer credit) = 211 X 150 = 31,650 less magical beginnings $3,000 = 28,650.

When the new incentives came out, I checked and thought well they got worse so we went ahead.

Then I checked these boards and saw @ClaraOswald post about the visa credit. As others have said I did not get an email from chase about this so THANK YOU.

Reached out to our guide and they are rewriting the contract, our new numbers are 243-15-8=220 X 150 = 33,000 - 1,000 anniversary credit- 1,000 visa credit - MB 3,000 = 28,000.

I don’t post often but I do read a lot and enjoy everyone’s insights and strategies and obviously saving money.

We are in the exact same situation (150 Poly + military, etc.), but I didn't know about the Disney Visa discount until my guide called me yesterday and told me I would be paying about $600 less! Pleasantly surprised!

 

[eticketplease]

Just FYI - my guide told me that they are not allowed to bring it up unless I mention I have the card, or ask about that discount specifically. Remember, they always mention they are on a recorded line... would you risk losing your job over it? You can blame DVD over the policy, but I wouldn't take it out on the guides.

I'm not taking anything out on a guide.

That is certainly different imo as mine proactively asked if I have the Disney card and of course mentioning the 0% blah blah and is not aware that I'm working towards a minimum spend on a different card.

Edit: It looks like @KGdreamer guide reached out to tell them about the Visa discount without asking.

 

[melissa70]

Does anyone here have experience with having a contract rewritten for the new incentive period and can say how it affects future reservations? My Poly contract is being rewritten just for pricing, not changing amount of points or anything. But I have two future reservations scheduled with those points. Do you think those reservations will be given up when they redo the contract? I wouldn't be terribly fussed over it, but if there is a way to prevent it I'd like to know. My guide likely would not have any idea, so I'm asking the experts here

Can I ask you how many points you bought and what you paid after discounts?

 

[Flash_Sloth]

This thread is growing fast! I haven't kept up with every post. But one other thing to consider when buying direct is that you can ask them to remove the title insurance. I'm relatively comfortable doing that when buying direct, but I wouldn't dare if buying resale. My closing costs were $321.90.

I'm happy with my VDH purchase 2 days ago, and I even briefly met with my guide for a few minutes yesterday to double check that it isn't cheaper with the new incentives. I made it a point to ask her specifically about D23, Chase Disney Visa, buying while on vacation at Aulani, and the payoff timeline which is now 30 days. We even briefly chatted about my Chase Disney Visa card design and hers; when doing things in person and paying with that card, it is a natural direction for the conversation.

 

[Sora123]

I do the exact same calculation, but I think I put more weight in the percent difference.

In the case of SSR $150 vs. $90 is 67% more.
In the case of PVB $210 vs. $150 is 33% more.
In the case of VGC $330 v s$270 is only 22% more.

60 points difference in all cases, but I'd be more likely to buy direct at the higher priced resorts. Maybe that's the wrong way to look at it.... if you live long enough they all end up at zero anyway

The SSR 150 price versus 90 resale price. Are the closing costs different between direct and resale on a cash purchase? Also I read the 500.00 fee on the resale is new. I believe the resale closing costs are negotiable as well.

 

[Genie+]

I wonder what happens if you ask a guide to guide you through all the discounts you may possibly qualify for.

 

[Girlstar30]

I wonder what happens if you ask a guide to guide you through all the discounts you may possibly qualify for.

I wish I would have waited to tell my guide all the discounts to see

 

[tx911]

Well I know people probably thinks I dont listen to the boards (or my wife lol) but I do listen so we are going 200 vdh direct! In the end, 50 extra points ain't much let's be real to sacrifice the OG Disney. I dont want to dump it for 2-3 extra nights in a studio. I will book my birthday month for the FIRST time at the 11 month window this month at VDH!

What really stuck with me was length of contract and how hard its going to be later to get into these resorts with restricted resale. I listened to people telling me how easy it will be to sell vdh later if needed, how easy to rent out the points, how my direct contract will be the FIRST to expire and then im back in reHell which who knows what that will look like 28 years from now.

It also crossed my mind that @intamin probably won't make me a new signature with horse only and how will I feel about that. @tx911 missed this crisis and it didnt feel right. @VGCgroupie is on vacation and probably distracted from really telling me in detail how stupid this is. And I will miss being part of my vdh gang who's been with me through this direct Rollercoaster

Coupled with The fact ive never even stayed at ssr And I got my kicks there already getting it for cheap and theres always going to be a tempting sale later. THANK YOU ALL SO MUCH. Long live VDH gang gang, members of the happiest resort on Earth

Oooh, I missed the whole drama! Like I said before, I know with you I just need to wait a bit and everything will right itself

I think with buying DVC it’s not about just acquiring as many points as you possibly can for as cheaply as possible. You can certainly do it that way, but I don’t view it as the best use of the membership.

There’s a reason why “buy where you want to stay” is the most common refrain you will hear on this board.

I think you’re doing the right thing by a large margin in sticking with VDH.

 

[eticketplease]

Something to consider, given the new quotes make clear about the 7 days..

Where are we seeing that?

I can't see that in the fine print of the SSR sheet that was posted but there was mention of 7 days on the prior incentive sheets.

"Developer Credit starts on December 11, 2025 and expires 7 days after initial Tour interaction."



vs

 

[Girlstar30]

Oooh, I missed the whole drama! Like I said before, I know with you I just need to wait a bit and everything will right itself

I think with buying DVC it’s not about just acquiring as many points as you possibly can for as cheaply as possible. You can certainly do it that way, but I don’t view it as the best use of the membership.

There’s a reason why “buy where you want to stay” is the most common refrain you will hear on this board.

I think you’re doing the right thing by a large margin in sticking with VDH.

Thank you! I feel really good about the decision today. I cant believe my guide still hasnt reached out yet. This has been my frustration with this guide, I need a lot of hand holding haha, but the job gets done so I guess I have to wait

 

[DanCali]

The SSR 150 price versus 90 resale price. Are the closing costs different between direct and resale on a cash purchase? Also I read the 500.00 fee on the resale is new. I believe the resale closing costs are negotiable as well.

The difference in actual closing costs will not be that material. Some of the costs depend on the purchase price (favors resale) and some are fixed (favors Disney, because DVC resale has a bunch of middlemen like brokers and escrow). The new $500 fee matters too, but less so the larger the purchase.

 

[Sandisw]

Where are we seeing that?

I can't see that in the fine print of the SSR sheet that was posted but there was mention of 7 days on the prior incentive sheets.

"Developer Credit starts on December 11, 2025 and expires 7 days after initial Tour interaction."

View attachment 1047171

vs

View attachment 1047172

It was posted earlier in this thread by someone. When you inquire about pricing, you are sent an individual quote.

It appears that has replaced just sending the quote sheets of the past.

At the bottom, it states that the quote is good for 7 days…which matches reports of information that people have been told by guides in the past week or two…and matches the requirement by law.

It seems that DVD has changed the way they want to share specifics to individuals.

 

[eticketplease]

It was posted earlier in this thread by someone. When you inquire about pricing, you are sent an individual quote.

It appears that has replaced just sending the quote sheets of the past.

At the bottom, it states that the quote is good for 7 days…which matches reports of information that people have been told by guides in the past week or two…and matches the requirement by law.

Ok I recall seeing that earlier. I'm just surprised that wording is no longer included in the fineprint of the actual quote where it has been located for years being that the dates of the offer are still included and it still mentions the "tour"

 

[Brian Noble]

I really don’t like that they aren’t sharing the pricing sheets. I know when I purchased direct it made me jump from 150 to 200 points because there was a material incentive increase.

But those are disclosed---right here:

https://disneyvacationclub.disney.go.com/savings

That page has the new member incentive values for all resorts in active sales. It also tells you to log in for this page, which does the same for add ons.

https://disneyvacationclub.disney.go.com/member-savings

Click on Read More for reach resort, and you see the incentive structure.

 

[Brian Noble]

As an aside, I would not be surprised if they are either (a) starting to make more fine-grained interest rate decisions based on the individual prospect and/or (b) have finally raised the base rate above 9%. Either would be a good reason not to go rushing to publish the sheets in the old format.

 

[juliebee]

Where are we seeing that?

I can't see that in the fine print of the SSR sheet that was posted but there was mention of 7 days on the prior incentive sheets.

"Developer Credit starts on December 11, 2025 and expires 7 days after initial Tour interaction."

View attachment 1047171

vs

View attachment 1047172

When I got a quote yesterday, the guide couldn't send me the standard incentive sheet and I was sent an individualized quote with this at the bottom. I shared it yesterday and it's what Sandi was mentioning.

 

[Patmcpsu]

As an aside, I would not be surprised if they are either (a) starting to make more fine-grained interest rate decisions based on the individual prospect and/or (b) have finally raised the base rate above 9%. Either would be a good reason not to go rushing to publish the sheets in the old format.

It never made sense to me that DVC charges such high interest rates. They would get a lot more sales if they offered artificially low rates, especially for impulse buyers on property. Using the "new car vs. used car" analogy that "direct vs. resale" is sometimes compared to, manufacturers usually offer promotional interest rates near 0% for new cars. Maybe DVC's target-customer is one with low financial literacy.

 

[AstroBlasters]

But those are disclosed---right here:

https://disneyvacationclub.disney.go.com/savings

That page has the new member incentive values for all resorts in active sales. It also tells you to log in for this page, which does the same for add ons.

https://disneyvacationclub.disney.go.com/member-savings

Click on Read More for reach resort, and you see the incentive structure.

It doesn’t have the PDFs pricing sheet that shows all of the different points and the incentive structures and everything like it did before.

 

[AstroBlasters]

I would never buy direct if they said I didn’t qualify for a national incentive after 7-days.

I just consider it as ethics that are beneath what I want to give my money to.