I don't know about cement but fungus also attacks coatings, such as multi-coating. I hear they are yummy.
To me, it looks like combination of dust, oil residues, fungus, and multitude of contamination. It definitely needs cleaning. To me, the fungus part does not look bad. On photo 3, there is a big thick streak at 1 o'clock. That one is definitely fungus.
I've taken lenses apart and cleaned them myself. Depending on how much you paid for the camera, you may or may not try this yourself.
If you have a chance to return it, I would. 124Gs are available fairly reasonably these days. Professional cleaning will likely run you decent amount of money.