wow you really are confused !
Firstly the inverter is a poor choice with only 95.9% maximum efficiency , that's maximum so in reality it will be much lower and with only 3.5~4.0kw you won't even see 90% efficiency.
Let's work on having 4kw of panels , less at least 10% so 3.6Kw system.
You can bank on 4kwh hrs of production per 1kw of panels =14.4Kwh per day when averaged over the whole year if you have no shade and panels are facing North. , in summer production is higher at about 7kwh per 1Kw of panels so on a perfect day you will see about 25.2Kwh
You usage is of 4000kwh per quarter = 44.5kwh per day so in reality the solar system you are considering is about half the size you need to cover the costs.
Heating costs even more to run than Cooling but your production will be much lower at about 2.8kwh per 1kw of panels so your system will only make about 10Kwh per day , on full cloudy day you won't even see that. , so to cover your heating in winter your would need a solar system around 16kw .
You don't need a 3 phase inverter , the inverter will never directly power your air con , everything being generated will be recorded by your meter , whether you send 10Kwh back into single or 3 phase it's still the same 10kwh .
Solar panels are DC not any phase , the inverter if 3 phase will convert the output to 3 phase even if all panels are on one single input.
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