I’m just trying to wrap my head around the hypothetical costs difference between someone buying enough points to do some bank/borrow during the time we are planning to visit in August vs the current cash prices.
Current cash night for a 1 bedroom
DVC vila: $999 + tax
Total points needed: 222
So, at $205pp
205x222=45,510
45510/49=928.776 annual amortization
222x9.8207=2,180.195 dues
2180+929=3,109 annual cost
3109/5=621.8 per night + tax
But, if you include a 4% loss of potential interest on the initial capital outlay.
45510x4%=1,820.4 loss interest
1820.4/5=364.08 lost interest per night
621.8+364.08=985.88 new nightly cost + tax
Very simplified method…. it’s not that $986 per night is an awful price for a 1bd villa…. it’s just not that different from the current cash price Disney is offering for a DVC villa and I find that interesting.
For comparison, a Deluxe Studio Preferred View is $604/night + tax cash price.
It is also interesting to see that the delta in cash and points between a 1bd and a studio is about 165%. Very different from other resorts where the 1bd is DOUBLE the points.
For instance at VGC for the same period:
Studio: 142
1BD: 284
VDH:
Studio PV: 136 points
1BD: 222 points