VDH Questions for Purchasing

[juliebee]

As someone that will consider purchasing a small resale VDH contract in the future, I would want to purchase about 75 points- that gets you 3 nights most of the year. A small 50 pointer doesn't really get you much unless you are adding onto an existing VDH contract you already have. I think the 75 point contracts are more usable than a 50 point one. But maybe other resale purchasers would feel differently.

 

[VGCgroupie]

As someone that will consider purchasing a small resale VDH contract in the future, I would want to purchase about 75 points- that gets you 3 nights most of the year. A small 50 pointer doesn't really get you much unless you are adding onto an existing VDH contract you already have. I think the 75 point contracts are more usable than a 50 point one. But maybe other resale purchasers would feel differently.

This is a good piece of info.

 

[DisneyFanSea]

How lowwww can they go

$0… in 2074.

 

[DisneyFanSea]

The difference to add 50 points later alone is $1408 than now with incentives. Im more comfortable with that than the $11,198 extra that I have to pay down quickly now if I dont want to pay crazy interest so theres my answer too

Definitely. The incentives are quickly negated if financing and for points you don’t need today.

 

[Girlstar30]

As someone that will consider purchasing a small resale VDH contract in the future, I would want to purchase about 75 points- that gets you 3 nights most of the year. A small 50 pointer doesn't really get you much unless you are adding onto an existing VDH contract you already have. I think the 75 point contracts are more usable than a 50 point one. But maybe other resale purchasers would feel differently.

I think that too but ive been tracking the 50 point poly which is an expensive resort and for some reason I think those go for more. But im with u id rather have 75

 

[Girlstar30]

$0… in 2074.

I'll be dead, jokes on them!

 

[juliebee]

I think that too but ive been tracking the 50 point poly which is an expensive resort and for some reason I think those go for more. But im with u id rather have 75

This is the only place I know that breaks it down by actual selling price for contract size - https://www.fidelityrealestate.com/blog/december-2025-average-dvc-resale-price-per-point/

 

[Girlstar30]

This is the only place I know that breaks it down by actual selling price for contract size - https://www.fidelityrealestate.com/blog/december-2025-average-dvc-resale-price-per-point/

$14 more pp. Team 50 50 50!

 

[Girlstar30]

$32,385.25 Total cost with closing costs without MB
$29,385.25 Total cost with closing costs with MB

4 more nights of Fantasia, priceless.

 

[Girlstar30]

Or 8 more nights with the princesses or 12 in the jungle. I think id pay 3 grand for that

 

[Chili327]

As someone that will consider purchasing a small resale VDH contract in the future, I would want to purchase about 75 points- that gets you 3 nights most of the year. A small 50 pointer doesn't really get you much unless you are adding onto an existing VDH contract you already have. I think the 75 point contracts are more usable than a 50 point one. But maybe other resale purchasers would feel differently.

This is a good piece of info.

Definitely something to think about or to take into consideration on how many nights it gets you, etc, but it also could be a bank and borrow situation where 75 is overkill.

I bought my 75 VGC because I knew I only needed 88 points per trip at the most (thinking I’d only do studios. lol) so 75 would be enough to go every other year and i wouldn’t have to be concerned for quite a while before my barrowing ran out.

 

[Girlstar30]

Here are my final notes if anyone cares lol

150 points

208.66 pp without Magical Beginnings
188.66 pp with Magical Beginnings

$1085.25 closing costs to split 3 ways 50 50 50 vs $388.48 one way. $700 difference from splitting one way to 3 way.

Potential of $1500-$3000 in the future to resell small contracts over large
Definitely 3 way split for 150 points

Magical beginnings $3000
$31,300 before MB
Difference of $11,198 from 150 to 200 points without MB
$28,300 after Magical Beginnings
Difference of $10198 after magical beginnings
$1,408 more if you decide to add on 50 points later

Guides calculations for 50 50 50 total down payments for 2nd and 3rd payment should be $2292.35, off by one cent, the first one is right

20% down payment is $6477.31

$32,385.25 Total cost with closing costs without MB
$29,385.25 Total cost with closing costs with MB

$2,159.10 for downpayment in 3 payments in 60 days
$1619.32 for downpayment in 4 payments in 60 days

Honestly I feel super comfortable going MB or not with 150 points, this is tough

 

[VGCgroupie]

Here are my final notes if anyone cares lol

150 points

208.66 pp without Magical Beginnings
188.66 pp with Magical Beginnings

$1085.25 closing costs to split 3 ways 50 50 50 vs $388.48 one way. $700 difference from splitting one way to 3 way.

Potential of $1500-$3000 in the future to resell small contracts over large
Definitely 3 way split for 150 points

Magical beginnings $3000
$31,300 before MB
Difference of $11,198 from 150 to 200 points without MB
$28,300 after Magical Beginnings
Difference of $10198 after magical beginnings
$1,408 more if you decide to add on 50 points later

Guides calculations for 50 50 50 total down payments for 2nd and 3rd payment should be $2292.35, off by one cent, the first one is right

20% down payment is $6477.31

$32,385.25 Total cost with closing costs without MB
$29,385.25 Total cost with closing costs with MB

$2,159.10 for downpayment in 3 payments in 60 days
$1619.32 for downpayment in 4 payments in 60 days

Honestly I feel super comfortable going MB or not with 150 points, this is tough

If you are comfortable not getting MB and think you might want the points to have a surplus then I’d not do it.

BUT I would not forgo MB if you think you will end up renting unused points.

 

[Wedgeout]

We all care. Very long thread and hasn’t shut down or any warnings. We VDH groupies do alright. We can sell this place out!!

 

[UrsulaWantsYourSoul]

Here are my final notes if anyone cares lol

150 points

208.66 pp without Magical Beginnings
188.66 pp with Magical Beginnings

$1085.25 closing costs to split 3 ways 50 50 50 vs $388.48 one way. $700 difference from splitting one way to 3 way.

Potential of $1500-$3000 in the future to resell small contracts over large
Definitely 3 way split for 150 points

Magical beginnings $3000
$31,300 before MB
Difference of $11,198 from 150 to 200 points without MB
$28,300 after Magical Beginnings
Difference of $10198 after magical beginnings
$1,408 more if you decide to add on 50 points later

Guides calculations for 50 50 50 total down payments for 2nd and 3rd payment should be $2292.35, off by one cent, the first one is right

20% down payment is $6477.31

$32,385.25 Total cost with closing costs without MB
$29,385.25 Total cost with closing costs with MB

$2,159.10 for downpayment in 3 payments in 60 days
$1619.32 for downpayment in 4 payments in 60 days

Honestly I feel super comfortable going MB or not with 150 points, this is tough

 

[Girlstar30]

If you are comfortable not getting MB and think you might want the points to have a surplus then I’d not do it.

BUT I would not forgo MB if you think you will end up renting unused points.

My travel goals puts me at 90 points for my anniversary and 113 for d23 so we're at 203 points already, not to mention the holidays and trips for when im stalking and something pops up. I have decided:

150 points, No MB, Split 50 50 50. Thank you guys so much i love you all!!!!!

 

[Girlstar30]

We all care. Very long thread and hasn’t shut down or any warnings. We VDH groupies do alright. We can sell this place out!!

Something I wanted to post was going to be in warning territory, my wife shut it down

 

[Girlstar30]

View attachment 1039941

I can say I fully prepared for this purchase

 

[taaren]

As someone that will consider purchasing a small resale VDH contract in the future, I would want to purchase about 75 points- that gets you 3 nights most of the year. A small 50 pointer doesn't really get you much unless you are adding onto an existing VDH contract you already have. I think the 75 point contracts are more usable than a 50 point one. But maybe other resale purchasers would feel differently.

I'll second this. I plan on getting a VDH contract resale eventually, and I'll want enough for a 2 bedroom for 2 nights every other year, so in the 75-100 range.

 

[Sprinkles&Sprints]

My travel goals puts me at 90 points for my anniversary and 113 for d23 so we're at 203 points already, not to mention the holidays and trips for when im stalking and something pops up. I have decided:

150 points, No MB, Split 50 50 50. Thank you guys so much i love you all!!!!!

Not to open up another can of worms but once you are direct, if you were going to buy MMB for $99, you can also benefit from the buy 12 OTUP pts (@ $20 each) + get another 12 for free.