Hargreaves says Havertz would walk into any Premier League team.
"All eyes are on Haaland and Sancho but Kai Havertz is the one from a German perspective," Hargreaves told Goal. "He is special and he is like a hybrid of Michael Ballack and Mesut Ozil. That says a lot in terms of his goals and elegance.
"He is a super player and I think many fans will be watching him from England's top six and thinking that a guy like him is good enough to go to their teams. He could play at Liverpool, Man United or Man City.
"I think anyone watching him this weekend [against Borussia Monchengladbach] will say sign him up. I would love to see Havertz go to Bayern but I think anyone would want him in their team."
Hargreaves added: "He is very special and he has just got to play.
"I think his development is ahead of 99 per cent of players, but I don't think he should go to a top team yet as he might stunt his development."