VDH Questions for Purchasing

[Girlstar30]

This honestly makes no sense to me either. She's trying to say since she already told me the price then she can only guarantee it for 7 days.

The incentives are good until February I believe so I dont know why shes acting like they can change. I guess technically they could if something crazy like okw fire sale or vgf happened where everyone was buying but that is not the case here.

I think dvc just wants the flexibility to pull incentives if they want and maybe thats why her manager got on her *** that now that shes been discussing price ewth me I have to sign now but here's the thing she didnt really discuss price with me, I told her that I knew of the incentives and what they were and she was saying well since you said it then yes.

So maybe they didnt like that she said was validating what I said low key. Apparently they are very strict.

Another theory and motivation I feel for her is that I suspect she may get a better commission for selling vdh so she wants us to commit asap. Also I already switched guides and hotels once lol so theres probably a strong motivation for her not to want me to do either again Im thinking.

I'm so confused by the 7 day thing. So when we were at Disneyland, we got a tour of VDH. And the guide emailed us the sheet that listed the prices with incentives (the one that gets posted here on the dis.) So does that mean since I didn't purchase within a week....I'm not longer eligible this incentive cycle? That's weird.



Exact amount of years I've been alive! Ha! We're celebrating our 20th in June. My husband proposed to me at Disneyland back in 2005.

 

[VGCgroupie]

This honestly makes no sense to me either. She's trying to say since she already told me the price then she can only guarantee it for 7 days.

The incentives are good until February I believe so I dont know why shes acting like they can change. I guess technically they could if something crazy like okw fire sale or vgf happened where everyone was buying but that is not the case here.

I think dvc just wants the flexibility to pull incentives if they want and maybe thats why her manager got on her *** that now that shes been discussing price ewth me I have to sign now but here's the thing she didnt really discuss price with me, I told her that I knew of the incentives and what they were and she was saying well since you said it then yes.

So maybe they didnt like that she said was validating what I said low key. Apparently they are very strict.

Another theory and motivation I feel for her is that I suspect she may get a better commission for selling vdh so she wants us to commit asap. Also I already switched guides and hotels once lol so theres probably a strong motivation for her not to want me to do either again Im thinking.

If everything is the same for you no need to wait to sign. Just get it over with.

 

[airjay75]

On the 7-day thing, I think I would just ignore all of that. They just don't want to lose the sale, and they know if you don't sign within 7 days, there is a good chance (statistically) you will change your mind. I have no doubt that if you called your guide on 2/9 and said, I'm ready to sign today, the points would be in your account within the hour (assuming she was not unavailable for some reason).

 

[Girlstar30]

Gosh sign off for a few hours and this thread has gotten totally out of control .

Congrats on your guide calling you back and on the 4 years. For us it has been 44 years! That's longer than some of you have been alive! Been A Disney Couple/Family for all of it! Maybe bump into ya at VDH!!

Yes you have been married longer than ive been alive, what an accomplishment

One of the first things I asked when I was dating was, "sooo do you like Disney?" Have to ease someone one into the whole lifestyle My wife didnt know there was cruises and conventions and basically its a lifestyle. She is super chill so I feel she would make an effort with any interest i have and she genuinely likes it too so im glad I got lucky. I dont think I could be with someone that doesnt like disney that would make me really sad

 

[Girlstar30]

Totally agree

It's VDH so I think 50/50/50 is the way to go. I regret mine being as large as they are. For Poly I would've went 100/50

 

[Girlstar30]

I purcahsed non financing so I base my closing costs off of that, Im not sure if financing would raise the closing costs or not. But CA closing is way more affordable than FL so she's basically getting the closing on the 3rd contract free when compared to buying in FL.

Also people dont need as many points at DLR as they do in FL so smaller contracts appeal to more people. Also being restricted you will have existing owners who just want to add on a little bit more to to their direct (much like at RIV) so the benefit of having 50's to sell if ever needed to me is the best scenario and any extra closing would be made up for easily.

Enough reasons for me to decide that! I dont think financing affects the closing cost because she said that because im not eligible for the financing yet but they're making an exception for me I have to sign the contract as though im paying cash. Then start giving her cash for the next two months thr good news for me is interest will not be accumulating so I will pay off as much as I can during that time. Then closer to closing she has to invalidate that contract and I have to sign another one to switch to financing. Closing costs will be paid by the time I do that. Its a lot of unnecessary hoops but I guess they have to follow their 1 year rule

 

[Girlstar30]

If everything is the same for you no need to wait to sign. Just get it over with.

I agree with this and actually wanted to sign sooner anyways. I think she thought I was going to be mad about this because we discussed me signing on the 26th at length and I was like girl its fine the sooner the better give me them points lol

 

[Wedgeout]

Getting so many options. Just wonder if anyone would really do the same. 50/50/50…really?? Wouldn’t you rather save as much as you can? Sure wouldn’t break anything up more than once.

Myself..if buying this..getting a loan. Would keep it simple. 150. Being a loan, I would sacrifice point use in 2026 UY and take the MB offer. (If no penalties for early pay off..be sure to add extra principle each month..will save even more).

 

[Girlstar30]

I need to see how much the closing costs are and then decide i feel. It is true that the 150 pointer would be the last to go but i also like the ability to sell a chunk and get into something else since im going to have this for 40 plus years. I did decide that taking the MB offer was the wise thing to do in my situation as much as I dont want to

 

[VGCgroupie]

Getting so many options. Just wonder if anyone would really do the same. 50/50/50…really?? Wouldn’t you rather save as much as you can? Sure wouldn’t break anything up more than once.

Myself..if buying this..getting a loan. Would keep it simple. 150. Being a loan, I would sacrifice point use in 2026 UY and take the MB offer. (If no penalties for early pay off..be sure to add extra principle each month..will save even more).

100% I would and money is my main concern.

 

[Girlstar30]

100% I would and money is my main concern.

Some poly resales fetch as much as $20 more pp, that is significant. More than the upfront cost. I am team $500 resale fee doesnt matter, it wouldnt stop me from buying resale, still saving thousands and no other cheaper alternative its either pay up or youre out

 

[ClaraOswald]

This honestly makes no sense to me either. She's trying to say since she already told me the price then she can only guarantee it for 7 days.

The incentives are good until February I believe so I dont know why shes acting like they can change. I guess technically they could if something crazy like okw fire sale or vgf happened where everyone was buying but that is not the case here.

I think dvc just wants the flexibility to pull incentives if they want and maybe thats why her manager got on her *** that now that shes been discussing price ewth me I have to sign now but here's the thing she didnt really discuss price with me, I told her that I knew of the incentives and what they were and she was saying well since you said it then yes.

So maybe they didnt like that she said was validating what I said low key. Apparently they are very strict.

Another theory and motivation I feel for her is that I suspect she may get a better commission for selling vdh so she wants us to commit asap. Also I already switched guides and hotels once lol so theres probably a strong motivation for her not to want me to do either again Im thinking.

Yeah....the whole 7 day thing is weird. I know there's some fine print that says you have 7 days after a tour/presentation or whatever. But I don't see why one couldn't just do another one of their little online presentations to start the clock over.

 

[tx911]

Ive gotten my fair share of swag but never a slider. My magic bands are held on with sad generic Amazon ones.

I’d happily give you one of mine. I don’t even use one!

 

[atthebeachclub]

On 51 points (yes, one of my splits was 51 points) I paid $380 in closing costs at VDH.

 

[VGCgroupie]

I’d happily give you one of mine. I don’t even use one!

Aww thats nice of you. I may take you up on that offer.

 

[ClaraOswald]

Doesn't the add-on tool give an estimate on closing cost? I wonder how close it is to reality.

 

[Wedgeout]

100% I would and money is my main concern.

But in this purchase situation? I could see it more if this was a full cash buy. Don’t feel taking a loan for DVC, puts money in much of a concern level. Going to take it in the shorts, if sell just to buy something else in the future. Not a great vacation savings plan. That’s just a ‘heart’ fomo purchase.

Odds of a low point VDH contract ever getting much of a premium price over a larger contract is low. (I use Riviera as a benchmark on restricted contract resale. Have about 5 years of data & not doing too hot on returns).

Don’t feel all the extra closing costs are worth it for planned unknowns with those points. Buying should be a lifetime mentality of use. If life takes a turn, just deal with it at that time.

But fully understand and respect your, @VGCgroupie, purchasing prowess. Great guidance points of views to consider.

 

[atthebeachclub]

Myself..if buying this..getting a loan. Would keep it simple. 150. Being a loan, I would sacrifice point use in 2026 UY and take the MB offer. (If no penalties for early pay off..be sure to add extra principle each month..will save even more).

Here's my argument for splitting a loan:
Disney doesn't loan to you out of the goodness of their hearts. They know a certain amount of buyers will default and they can take the points back. If you plan to pay your loan off quickly, splitting your loan reduces your risks. You can pay off your splits one at a time and reduce your monthly loan burden. I split my contract three ways last month, and paid off half so far, but made sure I paid off one of those loans in full already. The rest will be paid in a few weeks.

It's nice to own things outright. If you didn't split, you wouldn't own any of it outright until you paid off your full loan.

 

[tx911]

How many years for you and your misses?

21

 

[VGCgroupie]

But in this purchase situation? I could see it more if this was a full cash buy. Don’t feel taking a loan for DVC, puts money in much of a concern level. Going to take it in the shorts, if sell just to buy something else in the future. Not a great vacation savings plan. That’s just a ‘heart’ fomo purchase.

Odds of a low point VDH contract ever getting much of a premium price over a larger contract is low. (I use Riviera as a benchmark on restricted contract resale. Have about 5 years of data & not doing too hot on returns).

Don’t feel all the extra closing costs are worth it for planned unknowns with those points. Buying should be a lifetime mentality of use. If life takes a turn, just deal with it at that time.

But fully understand and respect your, @VGCgroupie, purchasing prowess. Great guidance points of views to consider.

Yeah I think this situation might warrant it more than others. She is somewhat indecisive and I could see her wanting to sell 50 points to buy 100 points somewhere else in the future, possibly near future. Not pertaining to girlstar specifically just as to someone who is financing in general. Having the flexibility to sell off a portion of your points for financial reasons and not having to sell all of them is huge plus. Having split contracts allows for ultimate flexibility.