When I visited Greece in 1995, I didn't notice any unfinished roofs. I did notice that almost every single newer building had multiple options for future expan

When I visited Greece in 1995, I didn't notice any unfinished roofs. I did notice that almost every single newer building had multiple options for future expansion. This included exposed steel rebar sticking up from the tops of concrete columns, for building additional stories, and some concrete foundations that extended beyond the roof cover. Those would likely follow the usage pattern: patio, roofed patio, interior room. Our Greek-American family-friend (who owns a Greek restaurant in the US, and an American restaurant in Greece) explained that Greeks couldn't easily finance home construction or home improvements, so they build what they can afford at the time, and add on to it whenever they saved enough money (or collected enough stolen/black-market building materials). So everything has to be built for future expansion. And if that two-story building is taxed as a one-story building for a while, before it gets reassessed.... But this was before EU economic changes, so my information is likely out of date.