Think about 3 phase as three different single phase coming into your house.
In house setting you will only use individual phase to neutral, you won't be using phase to phase because it gives 1.732 x voltage = 415V. Only in industry setting especially electric motors needs 3 phase voltage or cannot run.
Generally for bungalows 3 phase is good to have. For condos and terrace houses I doubt you will ever need 3 phase.
Added on March 13, 2012, 2:10 pmQUOTE(tomjason @ Mar 13 2012, 02:05 PM)
if your usage if high for safety reason go for 3 phase..if overload dangeorus..can cause fire...example..if your got 5 airconds and 4 water heater..and other..60Amps is not sufficient...if overload can cause fire..also overload your wiring...
If nothing wrong with your wiring if over current happens the MCB will trip nothing will burn.
Only if got problem with wiring where a short/current leak does not trip your MCB/ELCB there will be a possibility of fire, in that case even if you have 3 phase still can get fire.
And even with 3 phase a irresponsible electrical contractor can be lazy and overload 1 of the 3 phases, in that case that would be risks involved as well.
This post has been edited by northface: Mar 13 2012, 02:10 PM