Stripped contract

[Girlstar30]

I know this is kind of pointless to ask now because I already pulled the trigger with no regrets, but how do you guys feel about stripped contracts? Would you purchase one if the price was right? Anyone know how to calculate or can point me to a calculator that calculates how much points are worth in a year? I am buying a stripped contract for BLT for $124 pp with 96 points left for 2025 and full points in 2026 and wondering if it was a good deal or not

 

[pzw90]

It depends on what you value them. I have a unscientific valuation of ~$20 per point, the way I get to that is if I wanted to go out and replace those points what would it cost me (rental market has a wide range depending where you look). Also happens to be the cost of OTUP. I believe it also happens to be the amount one of the brokers has a clause to compensate you if your resale points don't come as advertised (could totally be wrong here). So if a contract is missing this years use points, I automatically value it at $20 p/p less. Missing next UY points, another $20 p/p less. Will they accept? May or may not.

Perfect contract comes up and you don't want to lose it? Math and logic goes out the window sometimes.

Do I value it the same the other way? Say I contract is loaded with last UY points in addition to current, do i think it should be $20 p/p more? Absolutely not.

 

[AstroBlasters]

I know this is kind of pointless to ask now because I already pulled the trigger with no regrets, but how do you guys feel about stripped contracts? Would you purchase one if the price was right? Anyone know how to calculate or can point me to a calculator that calculates how much points are worth in a year? I am buying a stripped contract for BLT for $124 pp with 96 points left for 2025 and full points in 2026 and wondering if it was a good deal or not

Any asset can have value at the right price. The range most people have settled on is between $10-$20pp depending on the expiration year of the contract, contract size, etc. I think @ehh did an in-depth on it.

 

[Chili327]

Makes no difference, especially if you got a good price because of it.

 

[Girlstar30]

Makes no difference, especially if you got a good price because of it.

Yeah I've noticed it's hard to come by BLT for less than $130 although I've seen a couple that have been not stripped in the 120s since. And wayyy better than that 275 disney wants

 

[Chili327]

Check it for yourself... https://www.dvcrofr.com/dis-data/pricing-tool

 

[Girlstar30]

Check it for yourself... https://www.dvcrofr.com/dis-data/pricing-tool

Thank you, was looking for something like this

 

[davidhr]

I’m personally not a fan because the market tends to overvalue stripped contracts. For the right price it’s ok.

On the other hand, the market undervalues loaded contracts. That’s why I prefer to wait for those.

 

[Chili327]

Thank you, was looking for something like this

Those results are based (mostly i believe) on peoples actual purchases from these forums, so that price is very accurate to here, but the average is usually higher when adding in the not-knowing public.

 

[Sandisw]

We didn’t buy them because we knew we wanted points to use quickly.

 

[Girlstar30]

According to it i am in the lowest 25% so I'm satisfied. I found it interesting that it said that February contracts usually go for higher than most other months. I actually wasn't too happy it was a February contract because we love the holidays. But I did like getting fresh new points for the beginning of the year and also I figured we could do halloween in September or even August with the way disney rolls without missing banking deadline

 

[Girlstar30]

I’m personally not a fan because the market tends to overvalue stripped contracts. For the right price it’s ok.

On the other hand, the market undervalues loaded contracts. That’s why I prefer to wait for those.

I thought that too about overvaluing the stripped contracts, I felt l dvc for less it gives high stars whether stripped or not

 

[Girlstar30]

We didn’t buy them because we knew we wanted points to use quickly.

Same here, I kinda wish I would have been more patient, but not one of my strong suits we already rented someone else's points for 4 nights at riv tho since the resale won't cover it so I figure we can still stay somewhere else a few nights for this year

 

[stat]

Can someone clarify what "current use year" means in the context of being stripped or not? I seem to find conflicting opinions on this. I was looking at a listing for a Dec UY with no '24 points and dvcforless.com labeled it as stripped. But then I hear some people act like having '24 points is a bonus.

Or does it depend on the use year and what month we're in? E.g., a Feb UY with no 2024 points is fine, but a June UY missing 2024 is stripped.

 

[sndral]

Can someone clarify what "current use year" means in the context of being stripped or not? I seem to find conflicting opinions on this. I was looking at a listing for a Dec UY with no '24 points and dvcforless.com labeled it as stripped. But then I hear some people act like having '24 points is a bonus.

Or does it depend on the use year and what month we're in? E.g., a Feb UY with no 2024 points is fine, but a June UY missing 2024 is stripped.

To me it very much depends on what use year month.
Dec. is in its 2024 use year, so if a contract has no 2024 points & you want to schedule a vacation in the next 9 1/2 months you’ll have to borrow next use year’s points to do so.
OTH, Feb. is already in its 2025 use year, so any unbanked 2024 points expired on 1/31/25.
For me w/ resale I always placed some value on current use year points that I could still bank, current points that I’d get in the last 4 months of the use year & thus it was too late to bank them had little value to me, especially w/ resale taking a couple of months to close/points to load - so a June use year contract wouldn’t close in time for me to bank the 2024 points & I’d likely have trouble using them before they expired 5/31/25, thus not having 2024 points in a June use year contract I was buying right now would be less of a concern to me personally .

 

[atthebeachclub]

I like to use DVC Resale Market’s seller’s calculator to ballpark pricing. The high end always seems too high for pricing though, so I multiply it by 0.9.

https://www.dvcresalemarket.com/selling/instant-sale/

 

[AstroBlasters]

According to it i am in the lowest 25% so I'm satisfied. I found it interesting that it said that February contracts usually go for higher than most other months. I actually wasn't too happy it was a February contract because we love the holidays. But I did like getting fresh new points for the beginning of the year and also I figured we could do halloween in September or even August with the way disney rolls without missing banking deadline

February is great for the holidays because you can start walking so early! <evil villain cackle>

 

[Chili327]

I like to use DVC Resale Market’s seller’s calculator to ballpark pricing. The high end always seems too high for pricing though, so I multiply it by 0.9.

https://www.dvcresalemarket.com/selling/instant-sale/

I use their calc numbers as a high limit (never pay more than) and the dvcrofr price tool as an actual fair deal, or if it is less, then it’s a good deal!

 

[atthebeachclub]

I use their calc numbers as a high limit (never pay more than) and the dvcrofr price tool as an actual fair deal, or if it is less, then it’s a good deal!

DVCROFR site seems to not be taking in any new data though. I’m not sure it is up to date anymore.

 

[ehh]

Any asset can have value at the right price. The range most people have settled on is between $10-$20pp depending on the expiration year of the contract, contract size, etc. I think @ehh did an in-depth on it.

Indeed!

Thread 'Value of Loaded and Stripped Contracts'

Jan 12, 2025

How much more should a loaded contract be worth? How much less should a stripped contract be worth?

One of the more common questions or subtexts on these forums. And there's a ton of schools of thought here, from 'bonus points are worth whatever you can rent them at' to, effectively, random guesses.

And I'll start off by acknowledging the obvious: yes, points are worth whatever you value them at or can exchange them for cash at (by definition). If that means you're good with 'whatever you can rent them at' or some other value, you do you.

But does that number ever feel wrong? Do...

• ehh
• Replies: 12
• Forum: Purchasing DVC

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