More than 1 month and less than 12 months. According to the enquiry of China Travel official website. Com, if the term of eco-chain fast loan is less than one year, you can take any repayment of principal, equal principal and interest, average repayment of principal and interest, and one-time repayment of principal and interest. If the loan term is more than one year, the method of matching principal and interest and average capital repayment can be adopted.