When you pay off your Disney Vacation Club ownership, you only have annual dues that need to be paid for the upkeep and maintenance of your Disney timeshare resort. Those dues also help with the management of the booking system. This is the time where you’re really gaining value, since your points may have gained in resale value since Disney is always hiking their retail prices. Plus, the cost for non-owners renting a room at a DVC resort is much higher than the cost of annual fees.