zonde said:
Gravitation potential becomes lower as we go toward center of mass. Because of that event horizon should first form at the center of gravitating body that is going to turn into the black hole and then move outward. I believe that is the way how birth of BH is modeled.
This is correct as long as by "horizon" you mean "absolute horizon", i.e., the boundary of the region from which light signals cannot escape to infinity. However, this is *not* the same as an "apparent horizon", which is a "trapped surface" at which outgoing light signals no longer move outward. The distinction is important; see next comment.
zonde said:
But at the center of gravitating body mass is not falling anywhere. So it should be extremely time dilated right before it turns into the black hole. So from where this "seed" black hole appears at the center of the body?
When the absolute horizon first forms at the center of the gravitating body, there is no apparent horizon; outgoing light rays are still moving outward. That also means that there is no extreme time dilation, since the extreme time dilation near a black hole horizon is due to the presence of an apparent horizon (trapped surface) there, where outgoing light rays don't move outward. At the time when the absolute horizon forms, the time dilation at the center of the star (r = 0) doesn't change discontinuously at all. As the star collapses and the density at r = 0 increases, the "time dilation" there will gradually increase as well, but even that statement is subject to qualifications; see the end of this post.
Here's the way I picture the absolute horizon. Suppose that time t = 0, in the exterior Schwarzschild time coordinate that applies outside of the collapsing body, is the time at which the surface of the body is just passing inward through the Schwarzschild radius r = 2M. That is the time at which the apparent horizon forms, and the extreme time dilation occurs. Now consider a light ray emitted outward from r = 0 at some time prior to t = 0, such that that outgoing light ray just reaches r = 2M at t = 0. That light ray will then remain at r = 2M for all times greater than t = 0, since there is now a trapped surface there and outgoing light rays can no longer move outward. In fact, that light ray lies on the absolute horizon. But when the light ray first starts out at r = 0, it is moving outward, and observers inside the star who see it moving outward would not notice any unusual time dilation. The fact that that light ray will actually never get beyond r = 2M depends on the global structure of the entire spacetime; it's not something you can observe locally.
Regarding time dilation, it's also important to remember that time dilation is relative. An observer hovering near a black hole horizon doesn't notice any unusual time dilation locally; only by comparing his clock with that of someone far away (for example, by exchanging light signals) can he tell that much more time has passed in the faraway universe than has elapsed by his local clock.
Similarly, locally, observers inside the star after the absolute horizon has formed and has passed outward beyond their radius still would not notice anything unusual. Only by trying and failing to send light signals outward beyond the absolute horizon could they in principle tell that they were behind it. Eventually, of course, they would end up at the singularity at r = 0; either when the collapsing star passed inward through their radius and carried them with it, or, if they were able to escape the star's surface as it collapsed, eventually they would still hit the singularity since they are inside the horizon.