New here, any risks to unlocking the 15 ultra?

I found some ways to unlock the bootloader online, but not sure if they work on china phones and they all warn you for a lot of consequences.
My goal is to have a more normal phone like the global version, but then cheaper, but having the larger battery as well.

So when the device is unlocked, i can flash xiaomi.eu? Will this make banking apps still work? Google pay? Android auto? Dont care about netflix.