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This lock is 100% reversible – but only by the original purchaser or Xiaomi’s official channel. No paid online tool or software patch can remove it permanently.

When a Xiaomi device displays the message "This device is locked due to an overdue installment payment,"

Legal Issues: Tampering with a device that you do not yet fully own (because it is financed) can be considered a breach of contract or even fraud in certain jurisdictions. What to Do if You Bought a Locked Used Phone

: In many regions, Xiaomi has blocked unauthorized EDL (Emergency Download Mode) flashing, meaning you cannot easily overwrite the lock with new software. Paid Services

A: No. Xiaomi trade-in programs require a device that is fully paid and unlocked. A locked phone has zero trade-in value.

Make the outstanding payment through the lender’s official app or portal (e.g., Xiaomi Easy Finance by axio or Bajaj Finserv).