<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/schema/zthes-1.0.dtd">  <Zthes><term><termId>66674</termId><termName>CARTERA HIPOTECARIA</termName><termType>PT</termType><termLanguage>es</termLanguage><termVocabulary>Vocabulario controlado de las Altas Cortes de Colombia</termVocabulary>	<termStatus>active</termStatus>	<termApproval>approved</termApproval>	<termSortkey>CARTERA HIPOTECARIA</termSortkey><termCreatedDate>CARTERA HIPOTECARIA</termCreatedDate><relation><relationType>BT</relationType><termId>58209</termId><termName>VIGENCIA DE LA HIPOTECA</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>66675</termId><termName>FONDO DE RESERVA PARA LA ESTABILIZACIÓN DE LA CARTERA HIPOTECARIA</termName><termType>PT</termType></relation></term>  </Zthes>