Too good to pass up - DVC

It really was a deal that was too good to pass up. DH and I had discussed briefly buying more DVC points after I had received an email with the latest "deal" DVC was offering at their newest addition: Kidani Village at the Animal Kingdom Lodge Villas. I called our guide, Amil Arroyo, and spoke with him just catching him before he left for his next trip (DCL to Mexico this weekend). We already own 350 points at SSR. Here's the deal:

$104 per point with an $8 per point credit applied to the downpayment. So for 100 points, it would cost $10,400. Down payment would be $1300 - $800 credit = $500 down (Disney Visa). The remainder of the balance has 30 days no interest then 10.75% for a 10 year contract. I'll be putting that balance on our Disney Visa and paying it over 6 months with 0% interest. No closing costs with first payment due about October 1st. Here's the real bonus: we are allotted 100 points for March '08 use year (not '09) AND we receive 100 bonus points AND we receive a $500 Disney gift card. The downsides: Our annual dues go up by $471.32 and the 100 bonus points must be used at SSR, Disneyland, or through interval international within 12 months of purchase (by August of '09). So, if I'm doing the math right, $10,400 for 100 points - $800 ($8 per point credit) - $1000 (approx value of 100 points if I sold them) - $500 (gift card) = $8100 which amounts to $81 per point. 3 years ago when we first bought in to DVC, we ended up (after incentives) paying $90 per point.

For next year, then, we'll have 120 points banked from this year + 450 points = 570 points. We are soon-to-be-owners of Kidani Village at the Animal Kingdom Lodge Villas! Woohoo! We will be able to book either SSR or AKL 11 months out, otherwise, all other resorts we can book 7 months out.