Есть таблицы:
Помогите написать запрос: Выбрать список квартир, которые не имеют задолженностей на начало текущего года.

CREATE TABLE payment_type (
payment_type_id INTEGER NOT NULL PRIMARY KEY,
name VARCHAR(15) NOT NULL UNIQUE,
price_area NUMERIC(7,2) CHECK (price_area >= 0.00),
price_people NUMERIC(7,2) CHECK (price_people >= 0.00)

);

CREATE TABLE apartment (
apartment_id INTEGER NOT NULL PRIMARY KEY,
apartment_number SMALLINT NOT NULL CHECK (apartment_number > 0),
house_number VARCHAR(7) NOT NULL,
number_people SMALLINT NOT NULL CHECK (number_people >= 0),
area NUMERIC(7,1) NOT NULL CHECK (area > 0.0),
UNIQUE (apartment_number, house_number)
);

CREATE TABLE payment (
apartment_id INTEGER NOT NULL REFERENCES apartment(apartment_id) ON DELETE RESTRICT ON UPDATE RESTRICT,
payment_type_id INTEGER NOT NULL REFERENCES payment_type(payment_type_id) ON DELETE RESTRICT ON UPDATE RESTRICT,
m_y_date DATE NOT NULL CHECK (m_y_date > '1970-01-01'),
summ NUMERIC(7,2) NOT NULL CHECK (summ >= 0.00),
payment_date DATE NOT NULL CHECK (payment_date >= m_y_date),
PRIMARY KEY(apartment_id, payment_type_id, m_y_date)
);