Yes, if you are buying Disney Vacation Club points on the resale market because you negotiate with an existing owner who is selling their points. You can save significant money on the resale market, however, keep in mind that Disney has a right of first refusal policy. This means that if the negotiated price is too low in Disney’s eyes then Disney will offer to buy the timeshare back from the seller to protect the price integrity on the resale market.
All resale transactions must be approved through Disney, so they make this determination on a case-by-case basis depending on the resort involved and the size of the transaction. This is one reason why using a licensed agent to search for Disney points is your best option, since the agents understand the price thresholds and nuances of dealing with Disney timeshare products.