Not talked out of it yet...what about resale? - PassPorter - A Community of Walt Disney World, Disneyland, Disney Cruise Line, and General Travel Forums
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PassPorter is a small business, and for many years it supported our family. But the world changed, print books took a backseat to the Internet, and for a long time now it has been unable to make ends meet. We've had to find new ways to support our family, which means new careers and less and less time available to devote to our first baby, PassPorter.
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My other post asked folks to talk me out of DVC....This one is moving forward with the thinking process...
Resale makes me nervous. Not sure why. Just seems so much more legit direct through WDW. I worry about restrictions on the use of points. I worry about what else may come....But I am also all about saving money! I have often thought that we would buy our intitial contract through WDW and then do any point add-ons through resale (I have investigated this since I caught the disney-bug 3 years ago).
Looks like I can get OKW points for around $70/point through resale. (Even less if I opted for the lower expiration year which does not appeal to me). WDW has them at $100.
Other posts mentioned closing costs and other costs through resale as part of the equation. All else being equal, a $30 point difference seems to be a no-brainer. WDW has approved us for their "preferred" credit rate...although I failed to ask what that was since we were still in the "thinking" phase. I looked at the financing site link through DVC by resale and the rates are about 13.2 with 10% down. Seems very high.
The DVC by resale site also mentioned making offers that may be below the asking price. Does anyone have experience with this?
WDW said they could get me an April use year and we could stay at OKW for the trip we already have planned this August as they could get us booked before the paperwork goes through. With the resale process taking longer and not being as direct, would we still be able to use DVC for our summer trip?
Please provide feedback on these and any other things you think I should consider.
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