Whether 1. is blacklisted depends on whether the bank has contacted you now and said that you have a problem with 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 handled, you should indicate in the purchase contract that if the bank loan cannot be handled, you can cancel the contract.

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

The blacklist is for life.

I hope I can help you, and I hope to adopt it!