Speaking in Amazon Prime Video, the former Manchester United star said: "There was a lot of naivety from Manchester City, especially late in the game.
One of his former rivals Wayne Rooney also gave his verdict on City's collapse and claimed that Guardiola's side went into the game with a sense of naivety.
Sergio Aguero has been left with egg on his face after promising to cut off his TESTICLES if Manchester City lost to Real Madrid.
The hosts then thought they had secured a vital win through Haaland's late penalty but strikes from ex-City star Brahim Diaz and Jude Bellingham's injury time winner completed a stunning turnaround for the Spanish giants.
Aguero had also placed a $10,000 bet on there being two goals scored in the first half, money that he has been forced to kiss goodbye to with Haaland's opener the only one before half time.
