Below is an context that describes a sql query, paired with an question that provides further information. Write an answer that appropriately completes the request.  # noqa: E501
### Context:
CREATE TABLE table_name_12 (nat VARCHAR, transfer_fee VARCHAR, type VARCHAR)
### Question:
What is the Nat with a mutual consent loan return and has a free transfer fee?
### Answer:
SELECT nat FROM table_name_12 WHERE transfer_fee = "free" AND type = "mutual consent loan return"