What is the process like buying direct?

pinkxray

DIS Veteran
Joined
Sep 4, 2009
Are there any other fees besides closing costs?

If I were to buy direct I would probably try to buy in Sept. and ask for an Oct. use year. How would that work with maintence fees?

Thank you all so much for your help. Trying to make the best decision for our family and want to make sure I have my numbers correct.
 

E2ME2

ET
Joined
Oct 17, 2011
It is! When we bought direct (as we wanted a blue card), we decided to use our Disney Visa, even though we could have earned more points-per-$ on our travel card, because we wanted to spread out payment over two billing cycles and take advantage of the 6-month 0% financing to let our cash earn some more interest before paying it off. Also, 2% is still a nice return, and it went to paying for our annual passes. Win-win all around in my book if you're paying with cash and purchasing direct.
YES - we did the Disney CC for points, and had 6 months free of interest.
Definitely quick & easy compared to the 91Days it took for my resale purchase. (But I got SSR at just under $89/Pt resale with full 2020 points, so it was worth the wait)!! :goodvibes
ET:darth:
 

jwinky

Mouseketeer
Joined
Apr 2, 2006
Are there any other fees besides closing costs?

If I were to buy direct I would probably try to buy in Sept. and ask for an Oct. use year. How would that work with maintence fees?

Thank you all so much for your help. Trying to make the best decision for our family and want to make sure I have my numbers correct.
Once you get a hold of a DVC guide, they can give you exact pricing on fees. I did 100 point direct purchase but wanted to see how much closing costs were if I split the contract to smaller amounts. The more your split, you do pay more closings costs.

Please plan when you want to be waitlist if your resort is sold out. I requested mid Feb for Mar UY. They finally found my contract on Feb 27th. I was able to get 2019 points banked and 2020 points were available March 1. I was very much at risk to not get 2019 points if they didn't find my contract. If they found it on March 1, I can only get 2020 points. So if you are picking a resort that is normally taken through ROFR, then a Sept request would work out. If you are looking for a harder resort to get, you might want to request it earlier and get on the waitlist to get those 2019 points.

Maintenance fees are prorated by the calendar year. There are several posts covering that if you search for it.

And to add, I paid through Disney Visa and Travel CC for my purchase. I got my 2% disney cash and got bonus travel points. So I get something back to help purchase tickets and airfare.
 

pinkxray

DIS Veteran
Joined
Sep 4, 2009
Once you get a hold of a DVC guide, they can give you exact pricing on fees. I did 100 point direct purchase but wanted to see how much closing costs were if I split the contract to smaller amounts. The more your split, you do pay more closings costs.

Please plan when you want to be waitlist if your resort is sold out. I requested mid Feb for Mar UY. They finally found my contract on Feb 27th. I was able to get 2019 points banked and 2020 points were available March 1. I was very much at risk to not get 2019 points if they didn't find my contract. If they found it on March 1, I can only get 2020 points. So if you are picking a resort that is normally taken through ROFR, then a Sept request would work out. If you are looking for a harder resort to get, you might want to request it earlier and get on the waitlist to get those 2019 points.

Maintenance fees are prorated by the calendar year. There are several posts covering that if you search for it.

And to add, I paid through Disney Visa and Travel CC for my purchase. I got my 2% disney cash and got bonus travel points. So I get something back to help purchase tickets and airfare.
Thank you so much! That is very helpful. I am deciding between SSR and AKV if buying direct. Maybe OKW. I would just be getting the 100 direct and then possibly adding resale at a later date.

I will definitely have to have a guide price out splitting up the contracts.
 

jwinky

Mouseketeer
Joined
Apr 2, 2006
Thank you so much! That is very helpful. I am deciding between SSR and AKV if buying direct. Maybe OKW. I would just be getting the 100 direct and then possibly adding resale at a later date.

I will definitely have to have a guide price out splitting up the contracts.
Those resorts should be okay asking in Sept. I asked for SSR March and SSR and OKW were available to me 2 weeks later. SSR and AKV seem to be taken in past for ROFR so DVC should have inventory to sell you those resorts.

Since you know your resort UY combo, I would also suggest scouting the resale sites to make sure that you see those same combos for sale (if you want to match UY). You cannot buy resale if someone isn't selling your combo. On the other hand, you could buy resale first and then buy direct to match UY. You got lots of options since you are starting new.

Good luck!
 

Iestyn5150

Endlessly chasing dots!
Joined
Mar 27, 2019
Is there any word on when the sales team are back in work? With Disney Springs now open and the resorts & parks following shortly I’m hoping the DVC sales team will be returning to work soon too.
 

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