Remove fresh seeds from ripe loquat fruits, wash away the pulp, and plant them immediately in well-drained potting soil. Sow approximately 1–2 inches deep and maintain consistent moisture without waterlogging. Fresh seeds generally germinate more reliably than dried or stored seeds. Transplant established seedlings into a sunny garden location when they are strong enough.

Loquat trees grown from seeds commonly require approximately 6–8 years before flowering and fruiting, although the timing varies with growing conditions. Seed-grown trees may also produce fruits that differ in size, flavor, and quality from the parent tree. Grafted loquat trees are generally preferred when consistent fruit quality and earlier production are important.

Loquat trees can grow in suitable warm subtropical and some tropical highland climates. They prefer full sun, well-drained soil, and moderate to regular watering. However, flowering and fruit production can be affected by local temperatures and climate. Very hot, humid lowland conditions may not provide ideal conditions for consistent fruiting. Choose a suitable planting location with good drainage and appropriate seasonal temperatures.