Hi Valentin:
The time you measure via a clock you carry is always YOUR [local] proper time. You may see other distant clocks run at different rates relative to yours, but even though they will might see your clock run at a different rate relative to theirs, your's retains it's steady, fixed tick rate.
For an excellent recent discussion about black holes, see:
Black Holes- Two points of view.
https://www.physicsforums.com/showthread.php?t=626874
A key thing to remember in relativity is that different observers see [measure] different things...everything is RELATIVE.
A simple analogy: You stand next to a house and friend observes it from a distance, say a mile. You say 'the house is much bigger than a person;
your friend observes: 'that house sure looks tiny from here". Who is right? Both. But to
recognize such observational differences in relativity, as well as real differences, takes some
time to understand.
the time for crossing the event horizon is infinite,so no singularity,no evaporation and no loss of information could be observed?
'time for crossing is infinite'...nope, depends on your frame of reference
Crowell:
The time you're referring to as infinite is the time measured by a distant observer who is receiving signals from the region of the black hole.
I would add: that is based on an idealized model, not our lumpy galaxy. Crowell has a nice explanation which relates to that:
The statement about infinite time for infalling matter to cross the event horizon refers to a permanent black hole, but we're describing a black hole that formed at some time,
'so no singularity'...not in the sense you probably mean; are you referring to the apparent time 'singularity' at the horizon, or the divergent curvature at the center of the BH?'no loss of information'...Hawking has conceded that point. But that doesn't mean we can read [retrieve] all the information in practice...