Under-construction ke hidden costs aur builder ki reliability

What's the real story with possession delays from S And S Enterprises, especially in Chikhali projects? I'm looking at a 2 BHK there, under-construction hai. Builder ka track record kaisa hai, any real experiences? Honestly, main first-time buyer hoon, so thoda nervous hoon about delivery risks. Parents bolte hain ready-to-move lo, but budget constraints hain yaar. Also, beyond the property price, aur kitna paisa lagta hai? Stamp duty, registration, interiors... yeh sab mila ke kitna upar jaata hai total cost? I'm trying to figure out my actual budget. And for home loans, which bank gave you the best rate and smoothest experience? Koi hidden charges toh nahi hote na? Thanks in advance!