  CREATE TABLE tbpayment (id INT(10) NOT NULL AUTO_INCREMENT,
                          res_num CHAR(20) NOT NULL,
                          ref_num CHAR(20) NOT NULL,
                          total_amont INT NOT NULL,
                          payment INT NOT NULL DEFAULT 0,
                          date_start INT(12) NOT NULL,
                          primary key(id),
                          unique(res_num),
                          index(ref_num));