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This is not a overheating problem I don't think because when the bios does load the cpu temperature is ridiculously low.
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I think it might be. Also does your computer "crash" (meaning BSOD or restart or other bad behaviour) or just "freeze" (allowing you to do nothing), there is a big differene and you mentioned both of them. When a meter shows "ridiculously low" temperature it is a sign that the meter is not working right. Have you opened the case and taken a look at the amount of dust in the fans/coolers? How long was it since you cleaned it?
If the coolers are clean run a
memtest. If that wont help there is something other wrong.