SELECT `new_tours`.* FROM `new_tours`
LEFT JOIN `tours_prices` `lp` ON `new_tours`.`id` = `lp`.`tour_id`
LEFT JOIN `currency` ON currency.code = "RUB"
LEFT JOIN `user_wallet` ON user_wallet.user_id = new_tours.user_id
WHERE ((select max(`price`) from `tours_prices`) < user_wallet.balance)
GROUP BY `new_tours`.`id`