The only official and safe way to regain access is through the financier or official Xiaomi support.
: The primary reason is a missed or late monthly installment. The only official and safe way to regain
: You may find "bypass" software or services online (e.g., EDL mode tools). Using these can void your warranty , potentially "brick" your device, and may not provide a permanent solution as the lock can return when the phone connects to the internet. potentially "brick" your device