That should be a Nettar camera. That spot in the lower left looks more like a light leak than fungus. It could be a leak in the bellows. It could be that the roll of film wasn't wound tightly on the take-up spool and it fogged when you removed it. Or it could be a tiny fungus spot, although if it were fungus, you would likely see it affect a much larger portion of the photo.
The white stuff in the lens could be haze or it could be fungus. Hard to say without actually looking at the lens. Haze generally will result in lowering the overall contrast of a photo but [generally] wouldn't show up in a small portion of the photo, as what's seen in your photo. Fungus should look like either a white mass or spidery fingers.
Getting back to the photo, if you have other photos taken under similar or identical conditions, it should appear on those photos as well, if it's a light leak. If it were a small spot of fungus, it would depend. If it's on the front cell, the location would change, depending on how the lens was focused (because these are front-cell focusing lenses). If it's on the middle or rear element, then it should be in the same spot in every photo.
But I would bet this is a light leak issue more than fungus. You ned to check the bellows and also check for signs of damage to the camera, especially along the edges of the back.