최근에 개인 론 2만불 가량 은행에서 받았는데 W-9을 작성하라는 Form을 받았습니다.
W-9작성해서 IRS에 보내라는데 이 폼을 작성해야 하는 이유가 뭔가요?
혹시 작성해서 제출하지 않으면 어떻게 되는지 궁금합니다.

어느 쪽일 지 모르겠지만,
여러가지 이유에서 그랬을 겁니다.

첫째는, 론을 얻는 사람이 US citizen 이거나, US resident alien 인지 궁금해서 입니다.
둘째는, 그렇게 함으로서 IRA에서 tax에 관련된 것을 정확하게 계산하려고 하지요.

아마도, 작성하시지 않으면, 론 빌리기 힘들지 않을까 하네요.
아니면, 다른 form을 쓰셔야 할지도 모르겠어요.

Use Form W-9 to provide your correct TIN to the person who is required to file an information return with the IRS to report, for example,

income paid to you
real estate transactions (요기, 부동산을 사는 경우거나)
mortgage interest you paid (요기, 집 모기지 이자 때문에)
acquisition or abandonment of secured property
cancellation of debt
contributions you made to an IRA

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https://smallbusiness.chron.com/w9-loan-18553.html

Function
When you take out certain types of loans, the lender may have to file the revenue to the IRS. For this purpose, the lender needs your taxpayer details, such as your taxpayer identification number (TIN), incomes, real estate properties and debts. The lender uses these details to report the amount of interest you pay on your loan. This allows you to deduct your interest expense from your taxes, reducing your tax burden.

Types
You need to fill out the W-9 form when you take out a mortgage, which is a loan that is secured by a real estate property. With a mortgage, you provide the property as guarantee that you will pay the owed amount. If you don’t pay, the lender has the right to take your property. You also have to complete the W-9 form if you take out a student loan to cover the expenses of education, or a tax relief loan to pay off your outstanding taxes.

Who Needs the W-9
Not every borrower fills out the W-9 form to provide the necessary information for claiming loan interest deductions. If you are a U.S. citizen or resident alien, you use the W-9 form to provide your TIN. You may also have to fill out the W-9 form if your U.S. partnership, corporation, company, trust, estate or association is taking out a loan. Foreign individuals and non-resident aliens have to use other forms for this purpose.

Form
You can obtain the W-9 form from the IRS or your lender. You usually have to provide your personal details, including your name, the name of the entity taking out the loan, the structure of the entity taking out the loan and the address. You must also provide your Social Security number (SSN) if you are taking the loan as an individual. If another entity is taking out the loan, you must provide the Employer Identification Number (EIN). You must then sign and date the form and return it to your lender.

친절한 답변 감사합니다.
2만불의 론은 이미 받은상태인데, 말씀하신것처럼 론을 받기 힘들거라는게 추후의 일을 말씀하신 건가요?