Making sense out of insanity (DVC purchase)

[Tunseeker1]

Originally Posted by chalee94

you can even still rent a DVC stay...

but i completely agree about paying direct prices just so you can add interest to your total cost...

You COULD rent but some people WON'T.

I have argued the pricing of direct on small contracts in the past and I decided to agree to disagree when people say to never buy direct.

I don't see the point of staying offsite and spending the money when Disney will finance 50 points to a new member for 1 year at around 9% with 50% down payment.
The totals direct on a 50 point contract at Old Key West would be.
50 points @ $100= $5000
Closing is about $80

Down payment of $2540
Loan of 1 year
$222.13 a month
Total interest 125.52.

That is for OKW 2057 points.
OKW extended are selling for high $60 to Low $70 a point on smaller contracts with $500-$700 in closing.
Total difference in price at 50 points is about $1000 or 20% of the total.

That $1000 can be quickly eaten up in a stay or two offsite.