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

Rare, but possible. A server synchronization error might flag a fully paid device as delinquent. In this case, a factory reset or contacting support solves the issue.

This is the core feature state.

Screen State:

Functionality Allowed (White-listed):

This is a huge trap. You bought a “cheap” Xiaomi phone from a third-party seller (eBay, Facebook Marketplace, OLX). The original buyer stopped paying their installments. Because the IMEI is still tied to the original contract, Xiaomi locks the device—even though you, the current user, have done nothing wrong. Rare, but possible