Accurate prediction of heating loads in district heating systems is essential for the implementation of demand-driven heating. This work presents a novel heating load prediction model that is particularly suitable for complex multi-user buildings. The input characteristics of the model are established through the heat transfer mechanism, considering factors such as the cumulative impact of outdoor temperature and user demand (indoor temperature). The specific form of the heating load function is determined using the MLR-PSO (Multiple Linear Regression-Particle Swarm Optimization) method. Only the indoor and outdoor temperatures need to be provided for the model to calculate future heating loads. Practical engineering tests demonstrated that the model achieved normalized mean bias errors of daily loads between 4.98 % and 5.54 % across different heating seasons, with a minimum annual relative deviation of 0.75 % for annual loads. Additionally, the model helps guide the operation of heating systems. For example, during the 2021–2022 heating season, setting the target indoor temperature at 18 °C reduced weekly energy consumption by 15.3 % compared to the previous season. This approach may be employed to construct a simple load model for existing heating systems to accurately predict both short-term and long-term loads, providing valuable insights into the management and control of heating systems.