The article states that he was holding out for Real, but they're unable to fund the deal
Can't remember where I read it but Leverkusen don't need to sell this summer so weren't going to budge much on the fee regardless of the pandemic.
Chelsea are going to be even more top heavy than they already are.
Technically they don't, as his contract runs until 2022 and were hopeful of him staying another year, however Havertz has apparently told them he wants to leave this summer after they lost the cup final to Bayern.