Muradnagar mein affordable flat, kya sapna hi hai?

My budget was set for a 2BHK in Muradnagar, par ab lagta hai affordable housing Ghaziabad se gayab ho gaya hai. Last month jab site visit kiya, 40-50L ke options mein bhi itne hidden charges bata diye ki total cost 60L cross kar gayi. Builder bolte hain 2026 tak prices aur badhenge. Matlab, ek normal family ke liye under 40L ka flat kya ab impossible hai? Ya sab ready-to-move projects mein hi aise hidden costs hain? Any tips for finding genuine affordable options, ya I'm just dreaming?