If your voltage is lower, the fan will just go slower. If it's higher - fan will go too fast If your adapters amperage is lower than 0.11 the adapter will heat up. (Am i right with last one? Never tried doing it, and i'm not an electrician).
You are right, but: if the Voltage the adapter provides is too low, the fan wont start his job. Most PC-related fans go from 7-12V.
I hope this helps as my english is not that good