I’ve been to about 10 timeshare presentations in my life, we go to get the free stuff or because it’s required bc we’re staying at a property where our relative is the owner. I went to one today and they were saying $38/mo for the 1st five years and we can use our points (about 2 weeks per year) during the initial 5 years and interest doesn’t accrue on timeshare during that time, then after 5yrs (or less if we decide to start early, total value owed would be $23k. Monthly payment would be $233/mo and maintenance fee would be $951/yr. outside of the interest rate are there any downsides to this? The point system set up at the time would be able to be passed onto our kids. After the $23k is paid then just maintenance fees of $951 per year.