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Old 03-31-2014, 08:56 AM   #1
Tigger2ntinkerbell
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Question When a member adds on...

DVC Members
If Disney does the financing . Can you buy say 60 or 65 points from Disney.
Will they(DVD) finance an odd number of points for an add-on. I know it has to be at 50 point before they'll(DVD) will finance.

]Not looking into buy resale or any other option. Thanks

Last edited by Tigger2ntinkerbell; 03-31-2014 at 01:00 PM.
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Old 03-31-2014, 08:58 AM   #2
erionm
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It can be any number of points as long as it's at least 50 to finance an add-on direct.
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Old 03-31-2014, 09:28 AM   #3
Tigger2ntinkerbell
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Talking Member ad-on

Thank you. My DH has been wanting to ad-on for a while now. Sending pixie dust your way
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Old 03-31-2014, 11:11 AM   #4
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Member ad-on ???

Another question(if anyone knows)

If it's
10% down and 11% Interest Rate or 20% down and 8.99% Interest Rate.

What would the Interest Rate be for 15 % down

TIA
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Old 03-31-2014, 12:18 PM   #5
DisKneeDad
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Originally Posted by Tigger2ntinkerbell View Post
Another question(if anyone knows)

If it's
10% down and 11% Interest Rate or 20% down and 8.99% Interest Rate.

What would the Interest Rate be for 15 % down

TIA
Too much...
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Old 03-31-2014, 12:21 PM   #6
Tigger2ntinkerbell
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Diskneedad,
Thanks I know how much it is, but thanks for your input. But not what I needed to know.
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Old 03-31-2014, 12:24 PM   #7
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Originally Posted by Tigger2ntinkerbell View Post
Another question(if anyone knows) If it's 10% down and 11% Interest Rate or 20% down and 8.99% Interest Rate. What would the Interest Rate be for 15 % down TIA
By interpolation you are probably going to be very close to 10% with 15% down if it's a linear formula
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Old 03-31-2014, 12:24 PM   #8
DisKneeDad
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Diskneedad,
Thanks I know how much it is, but thanks for your input. But not what I needed to know.
I know, it's just that financing a timeshare at retail prices is financial suicide. There are cheaper ways to borrow money available to many people, and if they aren't available to you, then I would strongly recommend not buying. Best of luck with your decision, unfortunately I don't have the answer to your actual question.
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Old 03-31-2014, 12:28 PM   #9
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Quote:
Originally Posted by Tigger2ntinkerbell View Post
Another question(if anyone knows)

If it's
10% down and 11% Interest Rate or 20% down and 8.99% Interest Rate.

What would the Interest Rate be for 15 % down

TIA
You really should contact your Guide for the answers. Your rate is dependent on several factors.

Bill
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Old 03-31-2014, 12:43 PM   #10
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MagicKingdomMommy80,DiskneeDad,disneynutz

Thank you all for your help . I'm still waiting for my Guide to call
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Old 03-31-2014, 12:53 PM   #11
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You really should contact your Guide for the answers. Your rate is dependent on several factors.

Bill
I agree with Bill.

When we first purchased there were only a couple of choices with disney for financing - not the same options as a bank. We actually put 50% down and financed for just one year with a much lower interest rate.

I just did a small add on (resale) without financing. We will not be going to WDW in 2014. So, I rented out half of my 2014 points and was able to come up with half the cost of the add on. The other half is coming from my 2013 bonus that I would have used for our 2014 trip. A little creativity can go a long way. Good luck.
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Old 03-31-2014, 01:01 PM   #12
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Thank you all, But I am not looking at Resale or any other option. Thanks
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Old 03-31-2014, 01:50 PM   #13
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Originally Posted by Tigger2ntinkerbell View Post
Another question(if anyone knows)

If it's
10% down and 11% Interest Rate or 20% down and 8.99% Interest Rate.

What would the Interest Rate be for 15 % down

TIA
My God, that's what they charge for a loan through Disney? Wow, highway robbery. We just bought DVC using our HELOC and will be paying 3.75% AND get to write the interest off.

(Sorry it's not a helpful answer but I'll try to make it so - would you consider talking to your bank/mortgage lender about a loan versus THAT? Not saying you should buy resale, but pay for the property somewhere besides through them.)
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Old 03-31-2014, 05:09 PM   #14
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Thank you all, But I am not looking at Resale or any other option. Thanks
My first 3 contracts were with Disney direct and we never paid more than 4% interest on any of our loans. I know that rates have gone up but, our last purchase direct was just 2 years ago. Hope your Guide calls you back soon.
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Old 03-31-2014, 06:48 PM   #15
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Thank you all, But I am not looking at Resale or any other option. Thanks
Buying direct does not mean that you have to finance direct. Those rates really are outrageous compared to what else is available these days.
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