It's usually storage conditions which cause fungal growth - it thrives in dark humid conditions. Ultra violet light will kill the spores and stop further growth, so exposing it to daylight is the best way to stop it.
Camera equipment is best stored in a normally heated and ventilated room and leaving it in dark cupboards and bags can be enough to to kick off the problem. I store my gear in a glass cabinet where it gets plenty of daylight during the day. Ikea do one which is pretty cheap.
The lens may not be buggered if you catch it early enough, and it may be possible to get it stripped and cleaned, although in extreme cases the fungus can etch the glass surface of the lens.