So I need some help with my thought process - because I am sure I am missing something!
We’ve been looking at purchasing a 100 point resale DVC contract (leaning towards AKL). A few things: We would be able to purchase with cash, plan to keep it until it’s deed expiration in 2057, can financially support the annual dues with yearly increases (assuming 3-6% annually), plan to go every 1-2 years, and we tend to go in the “cheaper” seasons.
We almost always stay at POP and will only ever need a studio. Most things I’ve read has said that if you don’t normally stay deluxe, DVC is not worth it - but by my calculations it looks like a 100 point resale at AKL at a decent price would actually cost roughly the same as POP. Generally I pay somewhere from $120 - $200 per night at POP. So a 7 night stay is somewhere around $840-$1400. With a contract that costs $10,500 divided by the 37 years remaining on the deed comes out to about $284 a year plus the current annual dues of $767 - For 2020 I would be looking at about $1051.
Assuming direct room prices rise some with the annual dues, wouldn’t this make sense, not necessarily to save money - but to spend a reasonable amount and to lock myself in for disney vacations every 1-2 years? Or am I delusional?