Whether 1. is blacklisted depends on whether the bank has contacted you now and said that there is a problem with your repayment. If not, it basically means there is no problem.

2. You can go to the corresponding credit reporting company and the relevant departments of the local people's bank to check your credit status.

If you are worried that the loan for your house cannot be processed, you should indicate in your house purchase contract that if the bank loan cannot be processed, the contract can be terminated.

If you are worried, you should check it first. Bring your ID card.