I'm assuming the loan is for a home. If you mean "reasonable" in terms of payments, risk, debt, etc. that can only be weighed by you. How strong is your ability to pay it back? Is your employment secure? What is your debt to income ratio? What are the terms of the loan? Is the property itself a good investment? Can you afford the overhead of the property...taxes, maintenance, utilities, insurance. Do you anticipate needing to move any time soon? If so, and you need to sell the property to make that transition, how difficult will it be to liquidate and will you lose money in that process? All of these are questions only you can answer, but hopefully they'll help you make that decision. Good luck!