Yes, they do! Almost all the flats are privately owned and you rent from flat's owners. Real estate brokers are the annoying middle man that most people try to avoid.
I'll add that most apartment blocks here are already renovated with new roofs, windows and insulation. The flats themselves are how their owners have made them but also mostly renovated.
New buildings are more energy efficient but the lesser cost of heating would take a lifetime to even out compared to how much more expensive new flats are to buy or rent.
Sorry but you' have no idea what you're talking about. Yes, they are ugly but how exactly are they "wasteful"? Wasteful would be to tear them down just because they're ugly and building new houses at huge expense. How the hell would living in new apartments be "less expensive"? And they aren't particularly dangerous. With proper maintenance they could be perfectly fine for another 50 years.
Sure, eventually they will be replaced by new buildings but it will take decades.
Watched He Got Game recently, purely because it has my favourite basketball player in it. The whole movie is a bit of an illogical mess but Ray Allen is a surprisingly decent actor.
Honestly, this is bullshit. Greece is in the shit for the exact opposite reason. They raised the wages too high, gave stupid bonuses (13th and 14th wage, bonus for showing up to work on time, etc) and lent huge amounts of money to cover that just to stay popular among the people. I'm not familiar with what's going on in Belgium but saying Belgium is just like Greece because of raising taxes is wrong.