With SSR resale prices increasing does buying direct become a closer call?

[ParkHoppers]

I own a SSR resale contract and I am considering adding 125-150 points more. Looking at the rising resale prices for SSR if they get around $130 pp for a 125-150 point contract I am considering buying direct for the blue card. I owned DVC in the past and was a blue card member so to me the benefits are not that big of a deal. I did like the AP discount though if that comes back. Any thoughts or comments appreciated as always.

 

[Where'sPiglet?]

The difference would be $35/point with what you mentioned (possibly less if there are SSR incentives at the 150 point mark). You may also pay less in fees, so the difference might come out to a bit less than $35/point worth.

You'd get the blue card benefits as well as having unrestricted points. That might be worth it to you, especially once 2042 rolls around and several legacy resorts expire.

 

[RoseGold]

Not for me, as I plan to sell in 10 years, and that contract will sell the same no matter how I bought it.

Maybe you plan to run out the clock or really want to stay at RIV. If you plan to hold the contract, I can see the value in unrestricted points.

The APs are another question. No one knows what AP system or discount is coming back. With how everything else seems to be going, it’s hard for me to see that going in owners’ favor.

 

[princesscinderella]

I just went under contract at $115 this weekend. There are deals you just have to be quick or you will never know they even existed as some get removed from the site immediately. Just keep checking all the resale sites.

 

[The Jackal]

Small contracts 25-75 points go direct. 100-150 points resale if time allows if time is tight direct. 151+ resale.

 

[Sandisw]

Direct certainly carries some benefits but as already mentioned, you have to see them as such.

Right now, you are talking around $50/point...that is $6250...on 125.

How important is it to have unrestricted points? Not just for RIV but in the future, especially after the 2042 resorts expire.

There are merchandise and dining discounts that come with the blue card. There is the Epcot lounge, and of course, the AP discount...which, based on the renewals being done and new APs being offered at the DVC price under recovery seems to indicate it will be back...

Possible ticket deals, possible special events,

The bigger plus IMO could be in ease of correct UY, current points, etc. and having points for a trip quickly. Or, come with points you can rent out that you don’t need right away to reduce the difference.

Of course, with time, you can find a deal that meets your needs. It’s always about whether the wait is worth it.

 

[starfrenzy]

Yes indeed @ParkHoppers I am thinking the same as you.

If SSR is at $135, it is worth it to my travel plans to pay for direct and get:
- immediate, fully loaded points
- in my choice of use year
- that can be used at Riviera (+ future DVC), and
- (once I get to 125 pts direct), to possibly be able to buy Gold APs.

 

[CastAStone]

Yes indeed @ParkHoppers I am thinking the same as you.

If SSR is at $135, it is worth it to my travel plans to pay for direct and get:
- immediate, fully loaded points
- in my choice of use year
- that can be used at Riviera (+ future DVC), and
- (once I get to 125 pts direct), to possibly be able to buy Gold APs.

Direct Contracts come loaded (current and future year points) not fully loaded (last years points, banked, plus current and all future)

Vs a partially stripped contract (no current points, all future points), a loaded contract should be worth ~$12-18 a point to you. But stripped contracts aren’t actually selling for $135 that I’ve seen.

Remember that the listed price is an asking price and you can offer 5-15% below that, and many do!

But if it really is only a $4500 difference, and you really do need APs and will save money by buying them, not spend more, then for a family of 4 you’d make that back in just a few years, assuming they bring the discount back.

Personally I am holding off to see what happens with all of the ancillary benefits before making a final decision.

 

[CastAStone]

This is a loaded 150 point contract for example for $116 which is nearly $3K cheaper than your $135 example. DVCRM has the most contracts so it’s a good place to start your search but other sites have other contracts that may make more sense for you. https://dvcsales.com/listing_info/?u=3003

 

[starfrenzy]

Direct Contracts come loaded (current and future year points) not fully loaded (last years points, banked, plus current and all future)

Thank you. Noted!

 

[PackPride]

I own a SSR resale contract and I am considering adding 125-150 points more. Looking at the rising resale prices for SSR if they get around $130 pp for a 125-150 point contract I am considering buying direct for the blue card. I owned DVC in the past and was a blue card member so to me the benefits are not that big of a deal. I did like the AP discount though if that comes back. Any thoughts or comments appreciated as always.

We came to the same determination the other day and purchased 150 direct at SSR. When we came back from Disney World 4 weeks ago, we engulfed ourselves in research of DVC (we've only rented points in the past, never owned). But after weeks of research and monitoring the resale, we decided that $30-$40 per point difference from resale to direct wasn't that big of a deal, and I'm saying this at as a habitual cheapskate. While I am newbie at this DVC thing, my conclusion was that with the current restrictions on resale, and who knows what restrictions in the future to come, I am more than happy to pay the difference to ride with Disney directly.

 

[The Jackal]

We came to the same determination the other day and purchased 150 direct at SSR. When we came back from Disney World 4 weeks ago, we engulfed ourselves in research of DVC (we've only rented points in the past, never owned). But after weeks of research and monitoring the resale, we decided that $30-$40 per point difference from resale to direct wasn't that big of a deal, and I'm saying this at as a habitual cheapskate. While I am newbie at this DVC thing, my conclusion was that with the current restrictions on resale, and who knows what restrictions in the future to come, I am more than happy to pay the difference to ride with Disney directly.

Welcome home. Neighbor.

 

[ldo]

for SSR at $35 difference, esp. if you'd get loaded points, then I'd probably do direct if I planned to keep for 10+ years. For AKV (which is usually the other option to SSR) at (gasp) $120-125 resale vs $186 direct, no. But, I like the legacy resorts and don't care to stay at R (lovely resort, had a nice quick service lunch) due to higher points costs and meh pool (IMHO).

 

[KAT4DISNEY]

Actually I think it goes a different route and wouldn't necessarily be resale vs direct but instead to purchase at all. With no more DME, no more extra hours for onsite offsite becomes a more valid option all the time or else just even comparisons to Disney hotel room prices. All of it is in play. Or if you have a contract you own then transfers in vs purchasing more.

 

[Jwaire]

SSR is currently $160 ($5 off pp) direct for 150 points until May 12.

 

[Leight19]

Direct Contracts come loaded (current and future year points) not fully loaded (last years points, banked, plus current and all future)

Vs a partially stripped contract (no current points, all future points), a loaded contract should be worth ~$12-18 a point to you. But stripped contracts aren’t actually selling for $135 that I’ve seen.

Remember that the listed price is an asking price and you can offer 5-15% below that, and many do!

But if it really is only a $4500 difference, and you really do need APs and will save money by buying them, not spend more, then for a family of 4 you’d make that back in just a few years, assuming they bring the discount back.

Personally I am holding off to see what happens with all of the ancillary benefits before making a final decision.

Also when buying direct if you time the purchase right you can get the points carried over with very low dues. Compared to resale market most of the time loaded contracts cost bit more in price and buyer also has to pay dues.

For April 2021, average resale price on dvcrm for Saratoga was $124 a point. If you assume this is average of all contracts which could be fully loaded to stripped I feel it’s safe to assume loaded averages would be at least $130. Adding in dues on the points for last and current use year you could be looking at $144 total compared to $160 direct for 150 points. You will pay some dues direct depending time of year and only get extra points for certain use years at time of purchase but I think ideally timed (dec use year bought in November) you would get last year and current year points with prorated dues to cover remaining time in current year (please correct me if I’m wrong).

Combined with the fact ssr is often used for sleep around points and resale restrictions will likely be in place for future resorts I think ssr direct may be one of the resorts (okw and riv the others) that make sense direct vs resale.

 

[PackPride]

Also when buying direct if you time the purchase right you can get the points carried over with very low dues. Compared to resale market most of the time loaded contracts cost bit more in price and buyer also has to pay dues.

For April 2021, average resale price on dvcrm for Saratoga was $124 a point. If you assume this is average of all contracts which could be fully loaded to stripped I feel it’s safe to assume loaded averages would be at least $130. Adding in dues on the points for last and current use year you could be looking at $144 total compared to $160 direct for 150 points. You will pay some dues direct depending time of year and only get extra points for certain use years at time of purchase but I think ideally timed (dec use year bought in November) you would get last year and current year points with prorated dues to cover remaining time in current year (please correct me if I’m wrong).

Combined with the fact ssr is often used for sleep around points and resale restrictions will likely be in place for future resorts I think ssr direct may be one of the resorts (okw and riv the others) that make sense direct vs resale.

I agree. Also, speaking on a bit of the bias side of things, because I do love SSR, the recent refurbishments to almost every room makes the $160 direct price even more appealing. Combined with a tad bit lower dues per month than other places nearby (I think OKW is roughly $1..50 more in dues per point), we thought this was great deal. Again, my opinion may be partially blinded in biasness, but it seems a good deal right now direct.

 

[KAT4DISNEY]

Also when buying direct if you time the purchase right you can get the points carried over with very low dues. Compared to resale market most of the time loaded contracts cost bit more in price and buyer also has to pay dues.

For April 2021, average resale price on dvcrm for Saratoga was $124 a point. If you assume this is average of all contracts which could be fully loaded to stripped I feel it’s safe to assume loaded averages would be at least $130. Adding in dues on the points for last and current use year you could be looking at $144 total compared to $160 direct for 150 points. You will pay some dues direct depending time of year and only get extra points for certain use years at time of purchase but I think ideally timed (dec use year bought in November) you would get last year and current year points with prorated dues to cover remaining time in current year (please correct me if I’m wrong).

Combined with the fact ssr is often used for sleep around points and resale restrictions will likely be in place for future resorts I think ssr direct may be one of the resorts (okw and riv the others) that make sense direct vs resale.

Only with a resale contract can you get a fully loaded contract though and it's rare to reimburse for all dues. Also any dues reimbursement can be negotiated. Fully loaded is banked points from the previous UY, bankable points from the current UY and all points going forward. DVC only sells with current and all going forward and it's just that timing may mean the new UY starts the next day.

Regarding sales prices they've gotten to be much more all over the board than they used to be but historically one could have said that stripped contracts were not reduced enough compared to fully loaded instead of vice versa and that was based upon what contracts with current points were selling for. Even today I think I'd still say that - stripped are usually not reduced enough. Loaded varies on pricing and some are "marked up" but generally not as much as you might rent the points for.

 

[Leight19]

Only with a resale contract can you get a fully loaded contract though and it's rare to reimburse for all dues. Also any dues reimbursement can be negotiated. Fully loaded is banked points from the previous UY, bankable points from the current UY and all points going forward. DVC only sells with current and all going forward and it's just that timing may mean the new UY starts the next day.

Regarding sales prices they've gotten to be much more all over the board than they used to be but historically one could have said that stripped contracts were not reduced enough compared to fully loaded instead of vice versa and that was based upon what contracts with current points were selling for. Even today I think I'd still say that - stripped are usually not reduced enough. Loaded varies on pricing and some are "marked up" but generally not as much as you might rent the points for.

Correct me if I’m wrong but if I bought December use year in November 2021 I would get 2020 points immediately and get 2021 points in December. I would then pay dues prorated for last 2 months of year.

When I bought direct in august last year for September use year I got 2019 and 2020 points. Dues I had to pay prorated aug to end of year so would assume same for December use year but I may have misinterpreted how they said it was prorated.

 

[KAT4DISNEY]

Correct me if I’m wrong but if I bought December use year in November 2021 I would get 2020 points immediately and get 2021 points in December. I would then pay dues prorated for last 2 months of year.

When I bought direct in august last year for September use year I got 2019 and 2020 points. Dues I had to pay prorated aug to end of year so would assume same for December use year but I may have misinterpreted how they said it was prorated.

Dues are based on a calendar year with DVC and not UY so they are pro-rated from the date you sign the contract so it all depends on when you sign. In the occurrence that you were buying at a brand new resort that wasn't opened then the dues are calculated from the opening date.