This Device Is Locked Due To An Overdue Installment Payment Xiaomi Exclusive Link

You're referring to a specific feature on Xiaomi devices related to installment payments. Here's what I found:

• Cannot access home screen.
• Cannot make calls, use Wi-Fi (beyond the lock page), or access apps.
• Factory reset via recovery does not remove the lock.

Q: Does rooting or custom ROM remove the lock?

A: No. The lock is server-side and checks the IMEI. Even with a custom ROM, the phone still sends the IMEI to Xiaomi’s servers during setup. You're referring to a specific feature on Xiaomi

Many users make the mistake of calling Xiaomi customer care. Xiaomi will tell you: “We only enforce the lock. The financing partner controls the release.” Cannot access home screen

IMEI

The number (often found on the original box or by dialing *#06# if accessible). The Unlock Code displayed on the lock screen. Proof of purchase or payment history. Q: Does rooting or custom ROM remove the lock