Noida builders hide actual cost so well

My budget finalised, loan pre-approved – now stuck on hidden costs. I'm looking at a 2BHK in Hazipur, around 78L. Perfect Property ka project hai. Builder ne jo price quote kiya, usme toh bahut saari cheezein missing hain. Matlab, PLC, parking, stamp duty, registration, IFMS... yeh sab add karte hi mera budget cross ho jaa raha hai. Initially laga tha ki yehi final price hai. Honestly, I had no idea ki itne saare extra charges hote hain. Builders just quote the base price, aur phir possession ke time pe new charges aa jaate hain. Mera friend bol raha tha ki usko maintenance advance aur utility connection charges bhi dene pade the jo pehle bataye nahi the. Is it common to negotiate on these charges? Ya yeh sab fixed hota hai? Kya koi checklist hai for all-in cost?