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MR-banner600
 45.6 #98 (WDW Qual #1238

Mar 20, 2013 12:36 PM  WDW Talk Land
Good afternoon! I was wondering if anyone knows how the financing works for DVC? My family is considering buying into it... But we aren't positive.

When I bought into it ten years ago you put 10 percent down and paid off in monthly payments for 10 years. - Pooh147856  167.9 #43 12:59PM
Do you have to have to pay the 10% on the spot? - Cinderella12  45.6 #98 1:05PM
I would have to skip vacations for 2 years in order to afford the 10 percent. So what is with the thing I always see about "buying more points?" - Lelundrial  458.1 #399 1:07PM
Dvc goes by points instead of a typical timeshare that goes by a week , which is one of the reasons I love it , you can whenever you want and at anytime you can buy more points , we have done this a couple times , we have to "home" properties , Saratoga and bay lake , - tracsant  925.8 #2 1:17PM
Those are my home resort too - poohbear6382  37.5 #108 1:41PM
If your at Disney on Vacation and you sign the contract you might have a week or so to come up with the down payment. It sound like a lot but most people start out with 160 points then add on. Depending on the current price if points it might be about $1500 or so down payment. You can add more points at a later time so you can stay longer or use bigger accommodations. Sometimes they have promos going so points might be cheaper. Ask the rep what resort currently has the cheaper points . You don't necessarily have to have your home resort at Bay Lake or AK where the points are more costly. I bought in and added a few times thru the years. If you have any questions you can e mail me at mandriacchi@gmail.com will be glad to let you know more. - Pooh147856  167.9 #43 1:16PM
Thank you! - Cinderella12  45.6 #98 1:18PM
I recommend securing your own financing, that's what I did. Disney's interest rate is VERY high and I was able to finance through my bank for about 1/3 of the interest. Don't forget, you can also put up to $10k on your Disney VISA interest free for 6 months. That way you also earn some Disney dollars on the purchase! - CollegeDisneyKnowledgeGrad  826.7 #4 1:46PM
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