Fan replacement for desktops and laptops
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No you should not change the fan of the computer if it creates a loud noise.
It is obvious that as the temperature of the internal structure of your desktop/laptop would increase, the fan would run with more speed trying to give more coolness to the hardware present. Now what happens is that every fan has a certain operating range in between which it will work properly as it has been designed by the manufacturer. However if you operate the fan beyond its normal operating conditions then it will operate but by producing noise.
This is why when you keep the laptop on your lap and run it for like hours then its fan would produce an enormous sound as the heat inside the laptop does not get go out. The only way for laptop’s fan to produce low noise would be taking precautionary measures like not using it by placing on your lap rather placing it on table etc, and using a USB fan by placing the fan beneath the laptop
In case of your desktop computer, make sure that all the screws of the fan are properly fixed to the computer. The fan will always create noise whenever the internal temperature of the desktop computer increase so to prevent that you can either lower the temperature of your room, or install additional fans in the computer.
Fan replacement for desktops and laptops
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A CPU fan that creates too much noise is a very simple problem that does not need buying a replacement. Even newer fans still creates noise but in a very minimal level unlike with older CPU fans. It would be a waste if you will decide on buying a new one and replace the old CPU fan just because it creates noise that annoys you. As long as the device works fine, it will still be good for the system. You just need to find a way on how to minimize the sound it creates.
When a fan creates a loud noise that you think is already annoying, it would only mean that it already accumulated too much dust since it was first installed on the motherboard. You simply need to clean it with a brush to remove the dust between the blades. You may also want to clean the heat sink underneath it to improve the cooling effect. But doing this doesn’t instantly eliminate the loud noise it creates. It would also help in lowering down the noise by applying a very little amount of oil on the middle part of the fan where the blade spins. This is only to lubricate that part of the fan to make it spin more smoothly thus minimizing the noise generated by the contacting edges.