well.. the easiest way to determine if the lens has got fungus is just to look through the barrel from both the front and back and see if there is any white matter( dunno how else i shd describe them) forming either inside or on the outside glass itself. (fungus looks like bacteria when u look thru a microscope, but then fungus is bacteria. it's basically the same stuff that appear on leather shoes that has been kept in cupboards for a long time)
this is best done when u look Through the lens against the sky.
i assume u are buying a lens? other things to look out for is the contacts point at the back of the lens. to see if there are lots of scratches( means that the lens is frequently changed) and also the AF. check by focuing on a moving object. ie a car. to see how fast the focusing is, or if there's any problems.
just sharing what i know. =)