As a rule of thumb, the EMIs on all your loans should not exceed 40% of your Net Take Home pay. This is called the debt-to-income ratio. If you stick to this ratio, it will be easier to service your loans/debt. Borrow only as much as you can comfortably repay. When you apply for a loan, lenders collect information on your current commitments to check if providing a new loan will still satisfy the debt-to-income ratio. This is to ensure that you have enough funds to pay for your personal and family needs, and only 40% of your income goes towards debt repayments. The moral here is that you have to borrow only as much as you can repay.
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