Well for the microchips inside your computer, they can withstand up to +/- 5V. The 12V line is for the other components (fans etc). No load implies 0V in the elctronics world, if nothing was connected to take the current away (to be precise it is actually giving out the current) it would be a 'floating input' which means that the circuit will not work. So no load voltage would actually be 0V or a negative voltage line.
Hope that helps ya.
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