general relativity - If you fall in a black hole, when do you go past the event horizon?

Say I fall into the event horizon of a black hole. As I cross the black hole, I would appear to outside onlookers to freeze in time, and would never move from that point again. In my perspective, time would seem to pass normally, so I would immediately fall into the black hole. But how? If an onlooker was to stay there and look at me frozen in time, I would stay frozen to them forever, even when the universe and time itself had ended. So my question is, how can I ever fall into the black hole if by any onlookers perspective I never do?