You can buy them or finance them. As a non-US resident I am sure you are guaranteed to be approved for the finance if you take Disney's finance. Not cheap, but serves a purpose I guess.
We bought BWV by resale in 2003 and have never, never regretted it. We've been 4 times since and to Disneland Paris for a quick summer break. Before we bought we always went every year anyway and it was getting more and more expensive.
We carefully visited every resort on the last trip before we purchased and weighed the pros and cons of each resort carefully as we wanted to make sure our home resort was right for us. We're really glad we did and it would take a lot to get us to move from BWV now - it's just in the middle of everything.
I delayed buying by several years and that's my only regret now - it's great and now my whole family are Disney freaks (could it be they know we can accomodate 8 on each trip?)
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