From a purely financial standpoint, not necessarily . You will be unlikely to ever save enough to recoup the extra cost. But…there is, admittedly, a bit of jealousy that sets in when you are a resale owner and everything they offer members you don’t qualify for. Gotta say…it stings a little…right here…
But then I remember the HUGE amount of money I didn’t have to pay up front additional.
Are you planning for one shorter trip every year? Because you can do the bank/borrow in order to get more points at a time.
I think the member benefits are not worth very much. If you are planning to buy annual passes every year that is the only thing I, personally, think is worth it.
Have you looked at resale? I don’t want to feel like I am pushing it, but I think everyone should go in eyes wide open on what is available via resale. I have 100 SSR and 25 BWV points, all via resale and I do not miss membership extras at all.
Especially with the new FL HOA laws that went into effect - while the tower is new construction the rules have changed for anything 3+ floors or more. So I am curious as to why they choose to add existing, rather than separating the new towers.
While I am well aware of how this effects my non-dvc timeshares, boy my Marriott maintenance fees took a hit, there has not been any discussion that I have found concerning potential impact to DVC owners with “older” buildings.
Similarly…we have 120 SSR and 50 BWV. The former I think we paid $130/pt. For BWV, I think it was $125ish.
But…be careful with resale on contracts that expire in 2042, because those should be really low due to the limited number of years. On a total point cost over the life of the contract, the SSR was actually a far better deal since it is through 2054 I believe.
I havent spent much time looking at resale lately but assume poly prices are super high - high enough to consider direct with new-member incentives, which is why I’m going down this path at the moment. Once I have a good understanding of the direct purchase, I’ll compare to resale.
Thanks!
I did not realize it was a different thread. But there is currently a $45 difference between direct and resale at the Poly even with incentives which seem VERY poor to me. 
Proving that would be hard, and risky.
That would mean you’d bought for “commercial purposes” which is against DVC rules.
That depends 100% on personal circumstances though.
We bought and financed through DVC. Comparing what we would have paid for our first two vacations (in a regular room) after purchasing we had saved money on the purchase. After four, which is as of now, we are saving overall including the loan and annual dues to date. If we never go again we’ve still broken even.
And the resale price is just about holding for BLT such that we would get our money back on the full amount we paid, including the loan.
I also wanted to add a note of caution that the reason I started renting points privately (through this site) was because David’s didn’t find a renter for my points.
Now that was after COVID, but I never once got told of any potential renter. Prior to Covid that had never happened.
But posting on here I was easily able to rent them out, and very quickly.
I didn’t think about financing the direct contract - what rates/terms would I expect for that?
Maybe you misunderstood? (Or else I am misunderstanding you.). I meant buying direct to get the membership extras probably isn’t worth it compared to resale.
Ah, in that case you’re probably right. Although if you do buy APs for your family each year then maybe it is.
A benefit I just thought of for purchasing direct - putting part of the payment on new SW rapid rewards cards to get close to companion pass. Just thought of it - researching now.
True. But then if you give a mouse an AP, he’s gonna want another trip to go with it… 
Yes, and anything put on your Disney card is 0% financing for 6 months. You just need to make sure it is completely paid off (the part you charge) in the 6 months.
While its not exactly a perk- being able to convert to reservation points is something I wish I could do with my resale points…hindsight is 2020. Yeah I know that it’s not considered the best use economically of points but it is generally the easiest - as @Nicky_S pointed out renting through the big name brokers is not as easy as calling MS and saying hi I would like to go to Tokyo Sea instead of Wdw please make it happen
No DVC for me - DW shut me down for good.
She’s in finance and went into the weeds on how its a bad investment and we’re better off paying as we go. I can’t argue with her - she easily overwhelms my geologist brain with financial jargon.
Aww, sorry to hear this. I’m sure it was exciting to think about.
Bummer! For us, the only reason it’s a “bad” investment is that instead of going every other year, we’re there multiple times a year. We’re spending so.much.more money (flights, food, AP) than we would have if we stuck to the every other year plan. like normal people. OTOH, we never would have done the big trips with extended family (30 ppl, 18 ppl, 15 ppl twice) if it weren’t for DVC. The amount we would have paid for hotels on those trips alone has paid for the contract plus some.
That’s a bummer 
Sorry, friend.