Slight fungus (few tendrils, one or two little spots..) - probably not worth worrying about. More fungus, fugus pervasive on numerous elements, that will normally affect IQ.
Cleaning depends on the lens and where the fungus is. Zooms are complex. primes are much simpler. If the fungus is on or near elements at the front or back of the lens then it is often reasonably straightforward to get to it and clean it off. A lens spanner is an essential tool.
Do some browsing, there are numerous videos on the disassembly of various lenses that illustrate whats required, a number of web pages. There are some diy and repair articles here on PF. inc
Pentax Lens Disassembly Database - PentaxForums.com