What happens after you pay off Disney Vacation Club?
Understanding Membership DuesOnce you've paid off your initial DVC purchase, your future vacations are mostly free. The essential word there is “mostly.” You must still pay Annual Dues in January of each year.
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DVC RESALE POLICY – PLEASE READ BEFORE MAKING AN OFFERYou will not have access to other Disney Vacation Club Incidental Benefits (also known as Membership Extras) such as Member discounts on dining, shopping, annual passes, Member exclusive events, and certain special Member offers.
There are so many DVC resorts at Walt Disney World that you could visit every year for more than a decade and stay at a different resort each time. For those who truly visit Walt Disney World every year, DVC is an entirely reasonable proposition.
There are a few categories of folks who may enjoy the benefits of DVC: Families that plan to visit a Disney property at least once every other year. With Disney's “bank” and “borrow” point system, members need to use their points at least every other year to get the maximum value out of them.
Complete details of the DVC Resort Budgets can be found HERE. Given the inflationary nature of the economy, dues should be expected to rise at a rate of 3-5% per year. Cast Member salaries and benefits represent approximately 75% of the operational costs built into the dues, and they are constantly on the rise.
Disney Vacation Club resorts are not immune to inflation as member dues rise 4-8% for most destinations. Disney Vacation Club dues cover the operating costs of the resort (employees, park transportation, housekeeping, utilities, etc.)