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When purchasing a Disney Vacation Club resale contract, the annual point allotment is only part of the story. The timing of your purchase along with banked points can make a significant difference in the overall value! In fact, buying in November or December can be one of the most attractive times of the year to purchase a DVC resale contract.
Why Timing Matters When Buying DVC Resale
Here's something many buyers don't realize: For resale transactions closing after December 1st, Disney requires closing companies to collect the NEXT calendar year's annual dues at closing. This means buyers aren't responsible for paying the current calendar year's annual dues. Why does that matter? A buyer may acquire a contract with the current Use Year's points still available, along with previously banked points, without having to pay the prior calendar year's annual dues. Add the advantage of having nearly a full year to use those points, plus the 11 month home reservation window and the opportunity can become significantly more attractive.
Contracts with Banked Points are Potentially Worth Thousands of Extra Dollars!
Disney Vacation Club allows owners to bank unused points into the following Use Year, subject to applicable banking deadlines and rules. For buyers, this creates an opportunity to receive more points than the contract's normal annual allotment without an additional annual dues assessment on those banked points.
Here are two examples of contracts currently available at Animal Kingdom Villas:
320-Point Animal Kingdom Villas Contract, December Use Year
- 320 points banked from 2025
- 320 points from the 2026 Use Year
- 640 points available December 1, 2026
- Plus another 320 annual points coming in 2027!
- Combined point value at the current year's dues rate of $10.16/point: $6,502.40
100-Point Animal Kingdom Villas Contract, June Use Year
- 100 points banked from 2025 (must be used by 6/1/27)
- 100 bankable points from the 2026 Use Year
- 200 points available now!
- Plus another 100 annual points coming in 2027!
- Combined point value at the current year's dues rate of $10.16/point: $2,032.00
With December Use Years, buyers have nearly a full year to enjoy the banked and current-year points and potentially take advantage of the 11 month home reservation window. They can also bank their 2026 allocation into the following Use Year, subject to Disney's banking deadlines.
That's an opportunity for two consecutive years of additional vacation flexibility without an additional dues assessment on the banked points!
What If You Prefer to Rent Your Points?
Not every DVC owner uses all their points for personal vacations. Renting unused points can be another way to maximize the value of a membership. Animal Kingdom Villas is particularly attractive for rentals because owners enjoy an 11-month home-resort booking window. Established DVC rental companies advertise rates generally ranging from $18–$24 per point for this resort, depending on the rental arrangement and timing.
Let's use $20 per point to illustrate the potential rental value of the additional points included with these contracts.
| EXAMPLE: | Potential Rental rate *$18–$24 per point | |
|---|---|---|
| Contract Annual Points |
Extra Points | Average Value at *$20/Point |
| 320 points | 640 | $12,800 |
| 100 points | 200 | $4,000 |
*Rental values are estimates, not guaranteed income. Actual proceeds depend on availability, demand, reservation dates, and the rental arrangement. The $20 calculation represents gross rental value, not necessarily the amount paid directly to the owner. However, you can always keep those points and enjoy additional time for you and your family at Disney instead! The value is hard to deny.
The Takeaway: Value Goes Way Beyond the Annual Point Allotment
When shopping for a DVC resale contract, don't focus exclusively on the number of annual points or the price per point. Pay attention to the Use Year, banked points, available current-year points, Resort and the timing of your purchase. A well-timed purchase with banked points can mean more vacation opportunities, greater flexibility, and potentially thousands of dollars in rental value.
Explore our available Animal Kingdom Villas contracts and discover the added value of buying DVC by resale.