Ghaziabad 3BHK upgrade: What's the true all-in cost?

Budget finalised, loan pre-approved for an upgrade, but I'm stuck on the actual cost. Currently in a 2BHK in Vaishali, thinking of a 3BHK in Raj Nagar Extension or Siddhartha Vihar. My budget is around ₹1 Cr. Builders like Gulmohar Greens ya Gaurs se kitna negotiation expect kar sakte hain? Log bolte hain Ghaziabad mein discount milta hai, but kitna realistic hai? Also, all-in cost ka breakdown samajhna hai. Property price, stamp duty, registration ke alawa, kya bade hidden charges hote hain? PLC, parking toh pata hai, but possession ke time pe koi aur surprise bill aata hai kya? Maintenance deposits, club membership fees, electrical charges... kaise pata chale true cost kya hai? Koi experience share karo please.