Thinking ahead…second contract

[Adopted By Disney]

When I bought my first contract (160 points resale, over a decade ago) I ran the numbers for how long I could stay in a 1 br. villa using banking + borrowing before I’d either have to skip a year or buy new points. I then used those points to stay at other resorts to see whether I liked staying at them before I added on.
The other thing I did before I bought that first time was to take a look at use year distribution in the resorts I was interested in adding on at - I figured a use year that was more popular would have more resales on the market. Here’s the most recent use year distribution chart I could find https://dvcnews.com/?view=article&id=4071&catid=166 When buying direct DVC will offer whichever use year they are currently pushing, but if you insist they’ll usually give you the use year you really want.

That is a great tool. Dvcforless shows December with the most listings currently as well.

 

[DonkeyHoTay]

I forget, how many points did you get direct to get it that low? I sometimes regret not getting in on that deal last year to have the blue card.

2400

 

[DanCali]

In the long run won’t dues annually surpass the initial cost? PVB looks to have low dues which I like

"looks to have" may indeed be the correct phrase.

PVB dues went down in 2025 relative to 2024 (by about 3.7%), and happened to coincide very conveniently with the launch of the sales. It's hard to say if any shenanigans are going on, but the dues at my other 6 resorts increased by 3.7%-6.2% (5.1% on average) and it wouldn't surprise me at all if the PVB dues "caught up" after the resort is sold out. Similarly, Riviera dues have increased at an annualized rate of about 1.6% in the past 5 years (https://www.dvcresalemarket.com/buying/annual-dues/)

As other mentioned - buy where you want to go if you think you need home resort priority. We love the concierge rooms at AKV (super hard to book even as an owner) so I have to put up with the $9.65 in dues... I'm not sure 6%+ annual increases like last year are sustainable though.

But if you just want points for "sleeping around" you can't beat the Aulani subsidized contracts IMO.

 

[Adopted By Disney]

"looks to have" may indeed be the correct phrase.

PVB dues went down in 2025 relative to 2024 (by about 3.7%), and happened to coincide very conveniently with the launch of the sales. It's hard to say if any shenanigans are going on, but the dues at my other 6 resorts increased by 3.7%-6.2% (5.1% on average) and it wouldn't surprise me at all if the PVB dues "caught up" after the resort is sold out. Similarly, Riviera dues have increased at an annualized rate of about 1.6% in the past 5 years (https://www.dvcresalemarket.com/buying/annual-dues/)

As other mentioned - buy where you want to go if you think you need home resort priority. We love the concierge rooms at AKV (super hard to book even as an owner) so I have to put up with the $9.65 in dues... I'm not sure 6%+ annual increases like last year are sustainable though.

But if you just want points for "sleeping around" you can't beat the Aulani subsidized contracts IMO.

We also love PVB so we’re happy with it

 

[MartyParty]

Hi there

We’re planning to buy 150 direct points at PVB at the end of this incentive period. My family consists of my wife and two daughters who are 1 and 3, possibly more kids in the future but who knows. 150 points already feels like we’re gonna need more points for us so just wondering what your guys thoughts are on where to go on a second contract. I plan to buy resale probably an additional 100 points and the same use year. Would it just be beneficial to buy again at Poly or potentially buy resale points at BLT?. Assuming price difference isn’t a huge factor. My thoughts are on the additional contract seems to be leaning towards an additional 100 at Poly but wanted to get your thoughts.

Potential resale places would be BWV, BCV, PVB, BLT or CCV

I’m aware of the 2042 expiration but not too concerned about it.

Also aware of the booking differences. Just feels like it’d be more streamline to have points at one resort rather than mix and match.

Thanks

Some good advice already given on the boards. We own 190 direct at Poly and 40 direct at BLT.

After reading what others have said, and your responses, I'd recommend 150 direct (one contract) at Poly and 100'ish resale at Poly if Poly is the place you'd want to be. That gets you 250 total. If needing to space out the cash burn, buy 150 now and get the resale later. This of me reading that you want the benefit of direct. If not, then ideally look for two separate resale contracts that get you to 250. Reason for splitting up it's a bit easier in the future to sale a smaller contract (150 pts time x$/pt ~$20k vs 250 pts at ~$35k). Or if the kids are adults and out of the Disney mindset but you as the parents are still in. Keep one contract and sell the other.

Personally, our family prefers BLT. Less crowded, ok points chart, resale a bit cheaper than Poly, less walking to MK, etc. But I get it. Not trying to talk you out of Poly. Just wanting to share some other thoughts we've had over the years besides a specific resort, its price, and the annual dues.

The biggest one for us is my wife favorite park is MK and she prefers to walk and avoid the transportation to MK. The family also likes the Lagon and Theme Park view rooms at BLT.

Good problems to have. Best of luck.

 

[AstroBlasters]

So with banking and borrowing this allows someone to book at 11 months still with larger rooms which would make sense. Thanks for this input

PSA that Disney can limit banking and borrowing at any time.

 

[marmentrout85]

The only reason I'd see for you to have a different resort of 100 points is if you really like packing up small children and all their stuff in the middle of your vacation to move to a different resort. Personally, I'd never do that. It's different when they are older and more self sufficient. Then, a move from the Poly to something like Riviera or Beach Club to be closer to HS and Epcot might be looked upon as "fun".

Very true lol. We only have 1 so the move is relatively easy for us but I'm sure having 2+ little ones is a whole different ball game.

The biggest pro for our split stay routine I'd say is that it really helps when it comes to nap time as (with the exception of AK) we're always very close to our hotel when we're at the parks and rarely ever have to worry about even folding/unfolding our stroller. Nap time can be much more of a time suck if you need to rely on buses; we learned that very quickly staying at Saratoga last year and said "never again" until she's much older.

 

[tx911]

Hi there

We’re planning to buy 150 direct points at PVB at the end of this incentive period. My family consists of my wife and two daughters who are 1 and 3, possibly more kids in the future but who knows. 150 points already feels like we’re gonna need more points for us so just wondering what your guys thoughts are on where to go on a second contract. I plan to buy resale probably an additional 100 points and the same use year. Would it just be beneficial to buy again at Poly or potentially buy resale points at BLT?. Assuming price difference isn’t a huge factor. My thoughts are on the additional contract seems to be leaning towards an additional 100 at Poly but wanted to get your thoughts.

Potential resale places would be BWV, BCV, PVB, BLT or CCV

I’m aware of the 2042 expiration but not too concerned about it.

Also aware of the booking differences. Just feels like it’d be more streamline to have points at one resort rather than mix and match.

Thanks

Is this the first known case of Addonitis being contracted before actually owning? It must be getting more virulent.

 

[Royal Consort]

I thought that if you were a first time buyer, DVC wouldn't let you split into 3 50 pt contracts, b/c at least one contract has to be 100 pts?

Correct, the master contract must be 100 points and then you can add a 50 to receive full member benefits.

If you buy resale first, all three contracts can be split into 50 pt deeds.

 

[Adopted By Disney]

Soooo in our thinking we’ll need a second contract I was randomly looking at DVCforless and saw a 125 point contract for Poly at $147 per point and offered. Hour late it was accepted! Guess we’re going resale first!

 

[MartyParty]

Soooo in our thinking we’ll need a second contract I was randomly looking at DVCforless and saw a 125 point contract for Poly at $147 per point and offered. Hour late it was accepted! Guess we’re going resale first!

Congrats. Assuming closing goes well, welcome home!

 

[tx911]

Soooo in our thinking we’ll need a second contract I was randomly looking at DVCforless and saw a 125 point contract for Poly at $147 per point and offered. Hour late it was accepted! Guess we’re going resale first!

Congratulations! Now grab 150 points Riv direct and you're golden!

 

[eticketplease]

Soooo in our thinking we’ll need a second contract I was randomly looking at DVCforless and saw a 125 point contract for Poly at $147 per point and offered. Hour late it was accepted! Guess we’re going resale first!

Now you will also qualify for member pricing as well which offers a few bucks off per point.

Make sure to look at the incentives chart sometimes going up a few more points will knock the price down a little bit more.

If you are thinking of passing it down to your littles you may want even amount contracts like 2 75 pointers. If you could swing 300 points you do 4 75 pointers or 2 150 pointers that way each child would have access to the blue card perks and if one child decided to sell the other would still have the benefits.

 

[Adopted By Disney]

Now you will also qualify for member pricing as well which offers a few bucks off per point.

Make sure to look at the incentives chart sometimes going up a few more points will knock the price down a little bit more.

If you are thinking of passing it down to your littles you may want even amount contracts like 2 75 pointers. If you could swing 300 points you do 4 75 pointers or 2 150 pointers that way each child would have access to the blue card perks and if one child decided to sell the other would still have the benefits.

Direct will be next! That’s for sure we’ll see what we want to do in a month or so

 

[Adopted By Disney]

Anyone have a link to current member pricing for Riv and poly?

 

[RuntheMouse]

Anyone have a link to current member pricing for Riv and poly?

https://www.disboards.com/threads/incentives-and-new-pricing-winter-spring-2025.3962383/

 

[RichVIII]

Now that you have your direction set, I will say after 10 years, I find having more points at one resort (with having three home resorts now) gives us even more flexibility. Our smaller contracts at different resorts still tend to need our “7 months points” to build a bigger reservation so we are still aren’t getting as much 11 month advantage. More points at one resort also gives you some flexibly to not bank/borrow and make it a little easier to hold a few reservations to adjust or cancel later without risk. We LOVE the Poly and have stayed at both the tower and OG and love both. Welcome home!

 

[Adopted By Disney]

Now that you have your direction set, I will say after 10 years, I find having more points at one resort (with having three home resorts now) gives us even more flexibility. Our smaller contracts at different resorts still tend to need our “7 months points” to build a bigger reservation so we are still aren’t getting as much 11 month advantage. More points at one resort also gives you some flexibly to not bank/borrow and make it a little easier to hold a few reservations to adjust or cancel later without risk. We LOVE the Poly and have stayed at both the tower and OG and love both. Welcome home!

Thank you!

 

[Disney Spaz]

I will second what RichVIII says. We love VGF and own the majority of our points there for our bigger trips. That really helps in us being able to have flexibility in room size and length of trip while utilizing the 11 month booking window. We did add a small 75 pt contract at CCV for a different trip and that could work but if your general plans are to use all your points on one trip I suggest you add on at Poly.

 

[Steelers0854]

40 direct at BLT

Just curious about this, seems like a really small amount to own direct, do you use it for like a 2 night stay there for a particular reason?